| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VERATRUS BENEFIT SOLUTIONS | $3K | $8K | $11K | 1.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VERATRUS BENEFIT SOLUTIONS | $9K | $0 | $9K | 1.23% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF IOWA | $4K | $9K | $13K | 2.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF IOWA | $12K | $0 | $12K | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $15K | $0 | $15K | 7.49% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $5K | $7K | $12K | 6.16% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $754 | $754 | 0.39% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORD ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $590 | $590 | 0.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $19K | $0 | $19K | 15.15% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $6K | $0 | $6K | 4.85% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $339 | $339 | 0.27% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $2K | $3K | $5K | 6.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $5K | $0 | $5K | 6.03% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $306 | $306 | 0.37% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORD ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $278 | $278 | 0.33% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $1K | $3K | $4K | 5.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $4K | $0 | $4K | 4.52% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORD ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $274 | $274 | 0.33% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $203 | $203 | 0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $11K | $0 | $11K | 14.99% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $4K | $2K | $6K | 7.52% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORD ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $2K | $2K | 2.96% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $288 | $288 | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $11K | $0 | $11K | 15.09% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $4K | $2K | $5K | 7.19% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORD ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $2K | $2K | 2.96% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $285 | $285 | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $10K | $0 | $10K | 15.21% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $3K | $0 | $3K | 4.79% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $167 | $167 | 0.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $934 | $0 | $934 | 7.75% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $270 | $424 | $694 | 5.76% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $29 | $29 | 0.24% |
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 | 2,021 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,024 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | RELIANCE STANDARD LIFE INSURNACE COMPANY | 808 | $147K |
| Dental | DELTA DENTAL OF IOWA | 964 | $598K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 1,315 | $725K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURNACE COMPANY | 1,977 | $277K |
| Short-term disability | RELIANCE STANDARD LIFE INSURNACE COMPANY | 233 | $125K |
| Long-term disability(3 contracts) | RELIANCE STANDARD LIFE INSURNACE COMPANY | 1,977 | $229K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURNACE COMPANY | 1,977 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,977 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.