| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 5.36% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS COALITION SERVICES LLC | 7632 SE DURHAM ROAD SUITE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 2.68% |
| UMR, INC.3 Filed as: UMR INC | 115 W WAUSAU AVENUE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.46% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.29% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 524061863 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.43% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 524061863 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $950 | $4K | 13.39% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 524061863 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $845 | $6K | 23.39% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, LC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 524061863 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | $205 | $771 | 13.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $70K |
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 | 234 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 78 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $53K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $41K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $265K |
| Other(3 contracts, 2 carriers) | NATIONAL UNION FIRE INS CO | 248 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.