| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SOUTHEAST CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $100K | — | $100K | 7.56% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $33K | $33K | 2.48% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $17K | $17K | 1.28% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS, LLC | 20 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $11K | $11K | 0.85% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | — | DELTA DENTAL INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 18.49% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $18K | — | $18K | 18.13% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 19.83% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.65% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 19.68% |
| TRUENORTH COMPANIES LC3 | 6400 SHAFER COURT SUITE 100 ROSEMONT, IL 60018 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.63% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $839 | $4K | 19.49% |
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 | 390 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 313 | $197K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 564 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $82K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $132K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $65K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 595 | $1.3M |
| Other(7 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 595 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.