| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION INC. | 6200 SOUTH SYRACUSE WAY SUITE 460 GREENWOOD VILLAGE, CO 80111 | COMPANION LIFE INSURANCE COMPANY | $17K | $0 | $17K | 7.86% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | COMPANION LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.88% |
| UNKNOWN3 | UNKNOWN GLENWOOD SPRINGS, CO 81601 | COMPANION LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.01% |
| SAUL R LOCKER3 Filed as: SAUL R. LOCKER | 1099 EIGHTEENTH STREET, SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $18K | $8K | $26K | 19.90% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.15% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 400 | $219K |
| Vision | VISION SERVICE PLAN | 321 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 400 | $133K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 400 | $133K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 591 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.