| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETA HEALTH ASSOCIATION3 | 6200 S. SYRACUSE WAY GREENWOOD VILLAGE, CO 80111 | COMPANION LIFE INSURANCE COMPANY | $17K | $16 | $17K | 8.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 173850 DENVER, CO 80217 | COMPANION LIFE INSURANCE COMPANY | $11K | — | $11K | 5.27% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE., NE BELLEVUE, WA 98004 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 1.74% |
| SAUL R LOCKER3 Filed as: SAUL LOCKER | 1099 18TH STREET DENVER, CO 80202 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $19K | $8K | $27K | 16.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 173850 DENVER, CO 80217 | VISION SERVICE PLAN | $2K | — | $2K | 4.48% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE., NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $724 | — | $724 | 1.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION AVENUE DENVER, CO 80237 | BETA HEALTH | $1K | — | $1K | 6.30% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE., NE BELLEVUE, WA 98004 | BETA HEALTH | $289 | — | $289 | 1.63% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 254 | $229K |
| Vision | VISION SERVICE PLAN | 318 | $38K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 419 | $166K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 419 | $166K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 586 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.