| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $23K | $348 | $24K | 2.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $14K | $312 | $15K | 1.78% |
| EBCG LLC3 | 2205 LAKESIDE DR. BANNOCKBURN, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | PRINCIPAL LIFE INSURANCE COMPANY | $837 | — | $837 | 1.48% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $713 | — | $713 | 6.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | PRINCIPAL LIFE INSURANCE COMPANY | $258 | — | $258 | 2.27% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | PRINCIPAL LIFE INSURANCE COMPANY | $602 | — | $602 | 6.78% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $415 | — | $415 | 5.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST STE 3400 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $141 | — | $141 | 2.01% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 232 | $830K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $56K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.