| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVE DEPT 173850 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $12K | $65K | 8.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1900 16TH STREET DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 1.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DEPT 173850 DENVER, CO 80217 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $12K | — | $12K | 9.77% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVE DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.45% |
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 | 1,167 | 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) | 1,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,986 | $119K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,171 | $765K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,171 | $765K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,171 | $765K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,171 | $851K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,986 | — |
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.