| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD MATTHEWS3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | BLUERE OF TENNESSEE | $10K | — | $10K | 1.48% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF TENNESSEE | $12K | — | $12K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 801 SOUTH FIGUEROA STREET FLOOR 7 LOS ANGELES, CA 90017 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $776 | $776 | 0.34% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SOUTHEAST CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 25.17% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 634 | $241K |
| Vision | VISION SERVICE PLAN | 0 | $21K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 543 | $227K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 543 | $227K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 543 | $227K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 598 | $676K |
| Other(5 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 543 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.