| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 Filed as: SAUL LOCKER | 1099 EIGHTEENTH ST STE 3870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $328K | $328K | 1.52% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH ST STE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $325K | $325K | 1.54% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH ST STE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 1.50% |
| SAUL R LOCKER3 Filed as: SAUL LOCKER | 1099 EIGHTEENTH ST SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 0.38% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL STREET THIRD FLLOR-WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $19K | 1.45% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 850 MAIN STREET BRIDGEPORT, CT 06604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 0.59% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.75% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS | 1099 18TH ST STE 2870 DENVOER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 6.26% |
| CLARK INSURANCE3 Filed as: CLARK AGENCY LLC | 180 GLASTONBURY BLVD GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INS | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.03% |
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 | 171,820 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 150 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 70,583 | $15.3M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 128,616 | $23.2M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,689 | $2.7M |
| Long-term disability(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 86,593 | $23.4M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 150,944 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150,944 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.