| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $11 | $11 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-LOCKT | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 2.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-MOUNT | SUITE 700 8110 EAST UNION AVENUE DENVER, CO 802372966 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $59K | $59K | 1.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-LOCKT | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | — | $55K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-MOUNT | SUITE 700 8110 EAST UNION AVENUE DENVER, CO 802372966 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $36K | $36K | 2.00% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | HEALTH AND BENEFIT SYSTEM INC. 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND, KS 66211 | HARTFORD LIFE AND ACCIDENT | $121K | $53K | $174K | 14.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | $121K | — | $121K | 10.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $29K | $29K | 2.48% |
| LOCKTON COMPANIES, LLC3 | KANSAS CITY SERIES - COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | $3K | $52K | 12.82% |
| BCINSOURCING, LLC3 | SUITE 500 6363 COLLEGE BOULEVARD OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | $3K | $52K | 12.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $13K | $45K | 33.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 26.24% |
| LOCKTON COMPANIES, LLC3 | KANSAS CITY SERIES - COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103 | — | $103 | 1.25% |
| BCINSOURCING, LLC3 | SUITE 500 6363 COLLEGE BOULEVARD OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103 | — | $103 | 1.25% |
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 | 8,704 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 1,779 | $11.6M |
| Vision | VISION SERVICE PLAN | 5,911 | $879K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,704 | $2.2M |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,701 | $3.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,701 | $3.6M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,704 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,704 | — |
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.