| 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 | $197K | $50K | $247K | 9.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - LOCKT | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | $0 | $75K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | KANSAS CITY 444 W 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $12K | $12K | 0.50% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD STE 500 LEAWOOD, KS 662111887 | RELIASTAR LIFE INSURANCE COMPANY | $476K | $0 | $476K | 19.56% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $296K | $0 | $296K | 12.14% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 554860463 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $97K | $97K | 4.00% |
| LOCKTON COMPANIES, LLC3 | FOUNDERS SERIES 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $65K | $0 | $65K | 3.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC. | 4582 S. ULSTER STREET SUITE 600 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $21K | $0 | $21K | 1.00% |
| 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 | $130K | $33K | $162K | 9.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - LOCKT | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $0 | $49K | 2.84% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $83K | $34K | $117K | 9.65% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $0 | $14K | 4.45% |
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 | 7,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 129 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,512 | 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 | 325 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,186 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,270 | $624K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,383 | $2.9M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,403 | $3.7M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,403 | $3.7M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,383 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,383 | — |
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.