| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $7K | — | $7K | 3.48% |
| BROWN & BROWN INSURANCE SERVICES3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF COLORADO | $5K | — | $5K | 2.89% |
| BROWN & BROWN INSURANCE SERVICES3 | 1125 17TH STREET, SUITE 1450 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 4.38% |
| LOCKTON COMPANIES, LLC3 | 410 SOUTH RAMPART BOULEVARD SUITE 390 LAS VEGAS, NV 89145 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 4.02% |
| LINDSAY A LIJEWSKI3 Filed as: LINDSAY A. LIJEWSKI | 5894 EAST CALEY AVENUE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 10.42% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.83% |
| BROWN & BROWN INSURANCE SERVICES3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.79% |
| CARLA C MUNOZ3 Filed as: CARLA CRISTINA MUNOZ | 2560 SOUTH JULIAN STREET DENVER, CO 80219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $902 | $0 | $902 | 1.46% |
| BRITTANY ANN BUCKLEY3 | 246 VIRGINIA STREET IDAHO SPRINGS, CO 80452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $891 | $0 | $891 | 1.44% |
| HAYS COMPANIES, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $592 | $0 | $592 | 0.96% |
| MJ INSURANCE3 Filed as: DAYTON, LLC AND VARIOUS AGENTS | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $359 | $0 | $359 | 0.58% |
| BROWN & BROWN INSURANCE SERVICES3 | 1125 17TH STREET, SUITE 1710 DENVER, CO 80202 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 14.37% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 14.37% |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 476 | $187K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 427 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 437 | $179K |
| Short-term disability | STANDARD INSURANCE COMPANY | 437 | $179K |
| Long-term disability | STANDARD INSURANCE COMPANY | 437 | $179K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 437 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.