| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $778 | $5K | 5.65% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.73% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE | 950 EAST BLANCO ROAD SALINAS, CA 93901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $144 | — | $144 | 0.17% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $491 | $2K | 13.12% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $236 | $236 | 1.50% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SER | 950 E BLANCO RD SALINAS, CA 93901 | MANAGED HEALTH NETWORK | $123 | — | $123 | 5.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L.C. | 1501 50TH ST. WEST DES MOINES, IA 50266 | MANAGED HEALTH NETWORK | $18 | — | $18 | 0.73% |
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 | 177 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $17K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $84K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $84K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $34K |
| Other(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.