| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2000 S COLORADO BLVD SUITE 900, TOWER II DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $22K | — | $22K | 6.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 9.18% |
| 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 | $1K | — | $1K | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 9.21% |
| 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 | $938 | — | $938 | 0.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.59% |
| 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 | $420 | — | $420 | 0.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | — | $1K | 1.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | — | $1K | 1.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.00% |
| 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 | $678 | — | $678 | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 16.87% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 977 | $323K |
| Vision | VISION SERVICE PLAN | 316 | $69K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 396 | $186K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 393 | $103K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 396 | $142K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 396 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 977 | — |
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."
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.