| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE SUITE 700 DENVER, CO 802372966 | KASIER FOUNDATION HEALTH PLAN INC. | $36K | — | $36K | 4.25% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE SUITE 700 DENVER, CO 802372966 | KAISER FOUNDATION HEALTH PLAN INC. | $28K | — | $28K | 4.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 173850 DEPARTMENT 999228 DENVER, CO 802173850 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $95 | $10K | 4.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900A KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 173850 DEPARTMENT 999228 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $908 | $20K | 15.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 173850 DEPARTMENT 999228 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $563 | $13K | 15.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 173850 DEPARTMENT 99928 DENVER, CO 80217 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 8.39% |
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 | 1,047 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KASIER FOUNDATION HEALTH PLAN INC. | 174 | $1.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,260 | $69K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,372 | $224K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 459 | $80K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,331 | $127K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,372 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,331 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.