| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $98K | $98K | 8.20% |
| SAUL R LOCKER3 | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58K | $22K | $80K | 7.21% |
| SAUL R LOCKER3 | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $18K | $59K | 7.55% |
| SAUL R LOCKER3 | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$20 | $14K | $14K | 8.54% |
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 | 4,430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 8,579 | $3.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,430 | $1.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 595 | $779K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,100 | $1.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,430 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,579 | — |
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."
No prospect flags tripped on this filing.