| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $632K | — | $632K | 17.03% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900A DALLAS, TX 75217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $124K | $124K | 3.34% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $49K | $49K | 1.32% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $90K | $0 | $90K | 4.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | VISION SERVICE PLAN | $34K | — | $34K | 9.14% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $735 | $0 | $735 | 0.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 5686 DENVER, CO 80217 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 2.52% |
| THOMAS CHARLES3 Filed as: THOMAS MCCOY | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | CAPITAL HEALTH PLAN | $4K | $0 | $4K | 2.53% |
| JOSE GANDIA MORALES3 | UNKNOWN DENVER, CO 80202 | TRIPLE S SALUD, INC. | $4K | — | $4K | 5.00% |
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 | 4,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 26 | $438K |
| Dental | DELTA DENTAL OF COLORADO | 6,906 | $2.0M |
| Vision | VISION SERVICE PLAN | 2,761 | $369K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,000 | $3.7M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,000 | $3.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,000 | $3.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,000 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,906 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.