| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 15.59% |
| EDDIE ROY PATTON3 | 801 CHERRY ST STE 2300 FORT WORTH, TX 761026820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 15.30% |
| EDDIE ROY PATTON3 | 801 CHERRY ST STE 2300 FORT WORTH, TX 761026820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 15.76% |
| EDDIE ROY PATTON3 | 801 CHERRY ST STE 2300 FORT WORTH, TX 761026820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.66% |
| EDDIE ROY PATTON3 | 801 CHERRY ST STE 2300 FORT WORTH, TX 761026820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $778 | — | $778 | 2.25% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $848 | $5K | 15.67% |
| EDDIE ROY PATTON3 | 801 CHERRY ST STE 2300 FORT WORTH, TX 761026820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $653 | — | $653 | 2.25% |
| RICHARD MATTHEWS3 Filed as: RICHARD B MATTHEWS | 410 W 7TH ST STE 2 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $586 | — | $586 | 20.00% |
| JOE FERNANDEZ3 | 1201 ELM ST STE 4250 DALLAS, TX 75270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 3.49% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 ATTN COMMISSIONS CEDAR RAPIDS, IA 52406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 2.88% |
| IFC BENEFIT SOLUTIONS INC3 | PO BOX 1863 ATTN COMMISSIONS CEDAR RAPIDS, ID 52406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.86% |
| DAVID J MCCLELLAN3 Filed as: DAVID ALLEN NEEL | 1201 ELM STREET DALLAS, TX 75270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.79% |
| MARCEL JAMES MUELLER3 | 6664 RICHMOND DR FRISCO, TX 75035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.25% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $58K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 32 | $90K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 143 | $229K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.