| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $448 | $6K | 6.42% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 9871 SOUTH MERIDIAN BOULEVARD SUITE 300 ENGLEWOOD, CO 80112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 3.96% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $938 | $6K | 6.74% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $425 | $3K | 3.35% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 9871 SOUTH MERIDIAN BOULEVARD SUITE 300 ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.20% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 10700 EAST GEDDES AVENUE SUITE 150 ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $298 | $0 | $298 | 0.35% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM INSURANCE COMPANY | $683 | $114 | $797 | 9.11% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 9871 SOUTH MERIDIAN BOULEVARD SUITE 300 ENGLEWOOD, CO 80112 | UNUM INSURANCE COMPANY | $367 | $0 | $367 | 4.19% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 128 | $91K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 128 | $91K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $86K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $86K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.