| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVAN D BURDEN3 Filed as: EVAN THOMAS CHRISTOPHER RAVEN | 1873 SOUTH BELLAIRE STREET SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $535 | $135 | $670 | 5.72% |
| ANDREW EKBERG3 | 825 SIMMS STREET LAKEWOOD, CO 80401 | NORTHWESTERN MUTUAL | $362 | $91 | $453 | 3.87% |
| CRAIG ANDREW GARRISON3 | 825 SIMMS STREET LAKEWOOD, CO 80401 | NORTHWESTERN MUTUAL | $362 | $91 | $453 | 3.87% |
| THEODORE FINANCIAL GROUP INC3 | 1873 SOUTH BELLAIRE STREET SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $126 | $45 | $171 | 1.46% |
| THEODORE FINANCIAL GROUP INC3 | 1873 SOUTH BELLAIRE STREET SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $126 | $15 | $141 | 1.20% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 122 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.