| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSA | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $231K | $48K | $278K | 8.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - LOCKT | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98K | $0 | $98K | 2.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $9K | $38K | 1.16% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $218K | $0 | $218K | 10.63% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD STE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $218K | $0 | $218K | 10.63% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 554860463 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $82K | $82K | 4.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $137K | $31K | $168K | 8.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - LOCKT | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $0 | $59K | 3.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $6K | $27K | 1.45% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $115K | $0 | $115K | 6.67% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER STREET SUITE 600 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $79K | $7 | $79K | 5.12% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $0 | $26K | 3.96% |
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 | 7,298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 280 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,573 | $2.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,270 | $437K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,298 | $3.6M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,862 | $5.0M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,862 | $5.0M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 8,348 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,348 | — |
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.