| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | $0 | $58K | 5.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | $0 | $27K | 2.79% |
| INTREPID3 Filed as: INTREPID BENEFITS, INC. | UNKNOWN DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.27% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $13K | 13.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.36% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN AND ASSOC, LLC | 1800 ROUTE 34, BUILDING 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.66% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 7.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY CENTENNIAL, CO 80111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $728 | $0 | $728 | 2.16% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 465 | $979K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 465 | $979K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 694 | $34K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $96K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 465 | $979K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.