| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | DELTA DENTAL OF COLORADO | $5K | $0 | $5K | 7.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 10.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 7350 CAMPUS DRIVE COLORADO SPRINGS, CO 80920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $876 | $0 | $876 | 5.59% |
| INSURANCE ACCENTS CORPORATION3 | 18091 EAST KEPNER DRIVE AURORA, CO 80017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $625 | $31 | $656 | 4.19% |
| GRADY VAUGHN3 | PO BOX 38099 COLORADO SPRINGS, CO 80937 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $341 | $0 | $341 | 2.18% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $13 | $142 | 0.91% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 Filed as: TRANSCEND TECHNOLOGIES GROUP INC. | 9401 EAST STOCKTON BOULEVARD ELK GROVE, CA 95624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 0.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO, INC. | 7350 CAMPUS DRIVE SUITE 100 COLORADO SPRINGS, CO 80920 | EYEMED VISION CARE | $1K | $0 | $1K | 8.38% |
| GRADY VAUGHN3 | PO BOX 38099 COLORADO SPRINGS, CO 80937 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $547 | $0 | $547 | 15.61% |
| INSURANCE ACCENTS CORPORATION3 | 18091 EAST KEPNER DRIVE AURORA, CO 80017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $370 | $38 | $408 | 11.64% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $22 | $121 | 3.45% |
| GRADY VAUGHN3 | PO BOX 38099 COLORADO SPRINGS, CO 80937 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $335 | $0 | $335 | 24.01% |
| INSURANCE ACCENTS CORPORATION3 | 18091 EAST KEPNER DRIVE AURORA, CO 80017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $213 | $24 | $237 | 16.99% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $14 | $73 | 5.23% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 230 | $65K |
| Vision | EYEMED VISION CARE | 192 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $64K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $64K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.