| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM | — | QBE INSURANCE | $93K | — | $93K | 14.77% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $11K | $38K | 14.03% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHWEST SUITE SOUTHEAST CEDAR RAPIDS, IA 52404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.88% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF KENTUCKY | $20K | — | $20K | 10.21% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 9.03% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHWEST SUITE SOUTHEAST CEDAR RAPIDS, IA 52404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.43% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 14.33% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHWEST SUITE SOUTHEAST CEDAR RAPIDS, IA 52404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.27% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | $6K | — | $6K | 8.09% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | $3K | — | $3K | 3.51% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SOUTHEAST PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.04% |
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 | 487 | 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) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 958 | $197K |
| Vision | VISION SERVICE PLAN | 435 | $72K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 834 | $349K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 834 | $114K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 532 | $633K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 834 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.