| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $92K | — | $92K | 2.96% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45K | $110 | $45K | 10.76% |
| BC INSOURCING LLC3 Filed as: BC INSOURCING, LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45K | $86 | $45K | 10.75% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BOULEVARD, SUITE 700 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $6K | $18K | 4.20% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP SOUTH, SUITE 600 HOUSTON, TX 77096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $166 | $2K | 0.58% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE, SUITE 300 CHICAGO, IL 60661 | WESTERN HEALTH ADVANTAGE | $14K | — | $14K | 4.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $11K | — | $11K | 3.50% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 7.19% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $10K | 31.17% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP SOUTH, SUITE 600 HOUSTON, TX 77096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $31 | $1K | 4.12% |
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 | 1,928 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 564 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 268 | $51K |
| Vision | VISION SERVICE PLAN | 1,204 | $300K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,928 | $423K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 564 | $3.5M |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,928 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,928 | — |
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.