Form 5500 · Employee benefit plan · KANSAS CITY, MO
BLUE CROSS AND BLUE SHIELD OF KANSAS CITY
The filing calls this plan BLUE CROSS AND BLUE SHIELD OF KANSAS CITY WELFARE BENEFIT PLAN.
BLUE CROSS AND BLUE SHIELD OF KANSAS CITY of KANSAS CITY, MO spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is LOCKTON COMPANIES, LLC - KANSAS. Coverage is written through BLUE MEDICARE ADVANTAGE and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 43-1257251 · plan 503 · plan year 2025, filed Jun 4, 2026
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1,182 other employer plans in Missouri have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: severance, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering health, vision and life.
The filing declares health, vision, life, dental and disability. Dental and disability appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $1,984,023, with $74,057 in disclosed broker commissions — about 3.7% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in September. The plan is on a split renewal cycle.
LOCKTON COMPANIES, LLC - KANSAS is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 1,176 | Jan 1, 2026 | $657,450 | $46,022 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 526 | Jan 1, 2026 | $400,506 | $28,035 |
| BLUE MEDICARE ADVANTAGE | Health | 334 | Jan 1, 2026 | $708,666 | $0 |
| BLUE CROSS BLUE SHIELD OF KANSAS CITY | Vision | 2,875 | Jan 1, 2026 | $217,401 | $0 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 1,195 | Oct 1, 2025 | — | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
1,182 other employer plans in Missouri are January 1 renewals (policy year ends December).
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