| 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 | $0 | $9K | $9K | 0.07% |
| LOCKTON COMPANIES, LLC3 | DEPT 999228 P.O. BOX 173850 DENVER, CO 802173850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $200K | $200K | 6.82% |
| LOCKTON COMPANIES, LLC3 | DEPT 999228 P.O. BOX 173850 DENVER, CO 802173850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $68K | $68K | 6.54% |
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 | 6,083 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 2,456 | $12.9M |
| Vision | VISION SERVICE PLAN | 3,940 | $603K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,968 | $1.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,969 | $2.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,969 | $2.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,968 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,969 | — |
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.