| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | — | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 9.97% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10 | $10 | 0.06% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11 | $11 | 0.07% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23 | $9 | $32 | 0.23% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM INSURANCE COMPANY | $109 | $7 | $116 | 1.23% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM INSURANCE COMPANY | $266 | $35 | $301 | 5.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 SIXTEENTH STREET SUITE 1000 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $120 | — | $120 | 2.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DENVER | 1900 SIXTEENTH ST DENVER, CO 80202 | UNUM INSURANCE COMPANY | — | $15 | $15 | 0.26% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 96 | $626K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 169 | $663K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $31K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $14K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 96 | $610K |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 176 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.