| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT RIVER, LLC3 | 722 WASHINGTON AVE UNIT 208 GOLDEN, CO 804015876 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $717 | $7K | 10.86% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES I | 6143 S WILLOW DR STE 200 GREENWOOD VILLAGE, CO 801115123 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.01% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $345 | $614 | 21.03% |
| BENEFIT RIVER, LLC3 | 722 WASHINGTON AVENUE 208 GOLDEN, CO 80401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $555 | — | $555 | 19.01% |
| CHAUNCEY DAVIS3 Filed as: CHAUNCEY F DAVIS | 4606 FREEPORT WAY DENVER, CO 80239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | — | $401 | 13.73% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 5.41% |
| LINDA W OLGUIN3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $51 | $148 | 5.07% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $60K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $60K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $63K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $60K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.