| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | HARTFORD LIFE AND ACCIDENT | $46K | $28K | $74K | 7.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 ST LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $40K | — | $40K | 10.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK HEALTH PLAN OF IOWA EIN 42-1455449 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $581K |
| DELTA DENTAL EIN 42-0959302 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 9000 NORTHPARK DR JOHNSTON, IA 50131 | $57K |
| VITAL WORKLIFE EIN 41-1456089 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 5000 WEST 36TH ST STE 230 MINNEAPOLIS, MN 55416 | $46K |
| BENEFIT PLANNING CONSULTANTS EIN 36-3036100 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | PO BOX 7500 CHAMPAIGN, IL 61826 | $29K |
| EMPLOYEE & FAMILY RESOURCES EIN 42-0923932 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 505 5TH AVE STE 600 DES MOINES, IA 50309 | $20K |
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 | 1,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 363 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,268 | $377K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,250 | $925K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,250 | $925K |
| Stop-loss / reinsurancereinsurance | WELLMARK HEALTH PLAN OF IOWA, INC | 1,010 | $1.6M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,268 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,268 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.