| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CDEAR RAPIDS, IA 52401 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 3.09% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 1200 E COPELAND RD STE 300 ARLINGTON, TX 76011 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.24% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $10K | 11.94% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | — | ACE USA GROUP | $1K | — | $1K | 6.70% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $103 | $2K | 11.52% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | 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 |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $936K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 523 | $81K |
| Vision | ACE USA GROUP | 214 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $14K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.