| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CCIG3 | 155 INVERNESS DR W ENGLEWOOD, CO 801125000 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $6K | $19K | 8.06% |
| MARSHBERRY CONNECT PLATFORM LLC3 | PO BOX 72560 CLEVELAND, OH 441920002 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.48% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY INC | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.42% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $274 | $2K | 3.94% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $228 | $1K | 3.06% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $560 | $62 | $622 | 1.31% |
| CHRISTIAN KYLE STOUT3 | 26332 E ARCHER AVE AURORA, CO 80018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $33 | $43 | 0.09% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY INC | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.70% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $932 | $92 | $1K | 2.63% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $634 | $85 | $719 | 1.85% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | $20 | $362 | 0.93% |
| ANDREW C KIMARI3 | 217 S OAK ST LAKE CITY, MN 55041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.30% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.08% |
| ELTHON ISRAEL CRUZ3 | 893 S 2100 W OREN, UT 84059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.06% |
| CHRISTIAN KYLE STOUT3 | 26332 E ARCHER AVE AURORA, CA 80018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $13 | $17 | 0.04% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $86K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $231K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $231K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $317K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $86K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $231K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.