| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SOUTHEAST CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $53K | — | $53K | 5.40% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $22K | $22K | 2.28% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT STREET SUITE 100 WAUSAU, WA 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $22K | $22K | 2.87% |
| 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 | $12K | $5K | $17K | 21.16% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.84% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.53% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $940 | $4K | 19.76% |
| TRUENORTH COMPANIES LC3 | 6400 SHAFER COURT SUITE 100 ROSEMONT, IA 60018 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 293 | $197K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 476 | $34K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 382 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $41K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 345 | $773K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 382 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.