| 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 | DELTA DENTAL OF COLORADO | $11K | — | $11K | 3.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $11K | — | $11K | 3.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 5.76% |
| 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 | $6K | — | $6K | 4.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.63% |
| 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 | — | $5K | 4.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.92% |
| 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 | — | $2K | 2.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | — | $1K | 1.57% |
| MARTIN DARLEY INDEPENDENT BROKERS3 Filed as: MARTIN-DARLEY INDEPENDENT BROKERS | 5600 S QUEBEC STREET, SUITE 265C GREENWOOD VILLAGE, CO 80111 | VISION SERVICE PLAN | $1K | — | $1K | 1.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.75% |
| 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 | — | $2K | 4.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 9.04% |
| MARTIN DARLEY INDEPENDENT BROKERS3 Filed as: MARTIN-DARLEY INDEPENDENT BROKERS | 5600 S QUEBEC ST SUITE 265C GREENWOOD VLG, CO 80111 | RELIASTAR LIFE INSURANCE COMPANY | $928 | — | $928 | 6.54% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 950 | $307K |
| Vision | VISION SERVICE PLAN | 311 | $69K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $171K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 379 | $97K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $137K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 950 | — |
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.