| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 6.06% |
| A2 HOLDINGS DBA A2 BENEFITS3 Filed as: A2 HOLDINGS LLLC | 887 W MARIETTA ST NW STE N108 ATLANTA, GA 30318 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.65% |
| TRUENORTH COMPANIES LC3 | 7900 E. UNION AVENUE SUITE 300 DENVER, CO 80237 | GUARDIAN | $13K | $387 | $13K | 19.35% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | P.O. BOX 1863 CEDAR RAPIDS, IA 52406 | GUARDIAN | $5K | — | $5K | 6.80% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 4 OVERLOOK POINT STE 40P LINCOLSHIRE, IL 60069 | GUARDIAN | $1K | — | $1K | 1.64% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $180K |
| Short-term disability | GUARDIAN | 271 | $68K |
| Long-term disability | GUARDIAN | 271 | $68K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.