| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 1900 GRANT STREET SUITE 650 FORT WASHINGTON, PA 80203 | DELTA DENTAL OF COLORADO | $14K | — | $14K | 11.43% |
| FIELD DAY BENEFITS INC3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 13.79% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES D | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | PRINCIPAL LIFE INSURANCE COMPANY | $657 | — | $657 | 1.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES D | PO BOX 750004 PETALUMA, CA 94975 | PRINCIPAL LIFE INSURANCE COMPANY | — | $341 | $341 | 0.53% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 501 OFFICE CENTER DRIVE SUITE 215 FT. COLLINS, PA 19034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.24% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 1300 VIRGINIA DRIVE #117 FT. WASHINGTON, PA 19034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $330 | — | $330 | 1.44% |
| ROGERS BENEFIT GROUP INC3 Filed as: MICHAEL J ROGERS | PO BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 27.26% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICE | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $311 | — | $311 | 6.13% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $359 | $908 | 23.75% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 GRANT STREET DENVER, CO 80203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $688 | — | $688 | 18.00% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | $95 | $444 | 11.61% |
| SELECTIVE OPTIONS INC3 | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $40 | $174 | 4.55% |
| ALEXANDER OTTONIEL CANAS3 | 26123 BOUQUET CANYON ROAD SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 2.28% |
| R & B ENROLLMENT SERVICES INC3 | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 1.18% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $8 | $22 | 0.58% |
| PATRICIA BLANCO ESPARZA3 | 4309 BRADLEY LANE ARLINGTON, TX 76017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.52% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.18% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.13% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.13% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 154 | $123K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 254 | $23K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $64K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $64K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $64K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.