| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN DARLEY INDEPENDENT BROKERS3 Filed as: MARTIN-DARLEY IND. BROKERS INC. | 5600 S QUEBEC STREET SUITE C265 GREENWOOD VILLAGE, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | $0 | $55K | 9.88% |
| MARTIN DARLEY INDEPENDENT BROKERS3 Filed as: MARTIN-DARLEY IND. BROKERS INC. | 5600 S QUEBEC STREET SUITE C265 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $10K | $0 | $10K | 6.46% |
| MARTIN DARLEY INDEPENDENT BROKERS3 Filed as: MARTIN-DARLEY IND. BROKERS INC. | 5600 S QUEBEC STREET SUITE C265 GREENWOOD VILLAGE, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| MARTIN DARLEY INDEPENDENT BROKERS3 Filed as: MARTIN-DARLEY IND. BROKERS INC. | 5600 S QUEBEC STREET SUITE C265 GREENWOOD VILLAGE, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MARTIN DARLEY INDEPENDENT BROKERS3 Filed as: MARTIN-DARLEY INDEPENDENT BROKERS | 5600 S QUEBEC STREET, SUITE C265 GREENWOOD VILLAGE, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| MARTIN DARLEY INDEPENDENT BROKERS3 Filed as: MARTIN-DARLEY IND. BROKERS INC. | 5600 S QUEBEC STREET SUITE C265 GREENWOOD VILLAGE, CO 801112202 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.37% |
| MARTIN DARLEY INDEPENDENT BROKERS3 | 5600 S QUEBEC STREET, SUITE C-265 GREENWOOD VILLAGE, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 410 | $147K |
| Vision | VISION SERVICE PLAN | 180 | $34K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $53K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $561K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.