| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $46K | — | $46K | 0.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF IOWA | $11K | $2K | $12K | 0.54% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $162K | — | $162K | 7.85% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25K | $25K | 1.21% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 1.09% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $340K | — | $340K | 28.67% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DRIVE SALT LAKE CITY, UT 84119 | RELIASTAR LIFE INSURANCE COMPANY | — | $41K | $41K | 3.42% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX ADMINISTRATOR | Contract Administrator Service code 13 | — | $238K |
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 35-0472300 STD ADMINISTRATOR | Contract Administrator Service code 13 | — | $94K |
| VOYA BENEFITS COMPANY, LLC EIN 02-0488491 FSA/HSA ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
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 | 4,757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,798 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 3,824 | $41.6M |
| Dental | DELTA DENTAL OF IOWA | 3,774 | $2.3M |
| Vision | VISION SERVICE PLAN | 3,309 | $285K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,757 | $2.1M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15 | $43K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,757 | $1.5M |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 3,824 | $41.6M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,532 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,757 | — |
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."
No prospect flags tripped on this filing.