| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $37K | $885 | $38K | 4.12% |
| LAKE NORMAN BENEFITS INC3 Filed as: LAKE NORMAN BENEFITS | 331 ALCOVE RD SUITE 200 MOORESVILLE, NC 28117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 5.18% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 4.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 331 ALCOVE RD SUITE 200 MOORESVILLE, NC 28117 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $8K | — | $8K | 4.02% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INS COMPANY | $7K | — | $7K | 13.65% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $2K | $4K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 150 FAIRVIEW RD SUITE 320 MOORESVILLE, NC 28117 | EYE MED VISION CARE | $4K | — | $4K | 10.34% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INS COMPANY | $4K | — | $4K | 12.22% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CA 06854 | SHELTER POINT LIFE INSURANCE COMPANY | $2K | — | $2K | 10.15% |
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 | 435 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 216 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 435 | $223K |
| Vision | EYE MED VISION CARE | 646 | $40K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INS COMPANY | 720 | $34K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INS COMPANY | 720 | $55K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,948 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,948 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.