| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 | 1099 18TH ST, SUITE 2870 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $53K | $0 | $53K | 4.58% |
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 | 5,960 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 754 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 44 | $274K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 6,493 | $4.2M |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 9,772 | $1.2M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 6,424 | $2.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,295 | $1.2M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 44 | $274K |
| Other(4 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 5,048 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,772 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.