| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $113K | $123K | 1.72% |
| DAVID ALLMAN3 | 1730 I STREET, SUITE 240 SACRAMENTO, CA 95811 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $84K | $98K | 1.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $7K | $12K | 7.14% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN INC | 1730 I STREET, SUITE 240 SACRAMENTO, CA 95811 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.39% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $485 | $2K | 34.32% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $766 | $20 | $786 | 14.95% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $3 | $38 | 0.72% |
| SARAH SORENSEN-CONNICK3 | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.04% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $89 | $0 | $89 | 2.93% |
| CARPE DIEM LP4 | 4833 FRONT STREET, SUITE B105 CASTLE ROCK, CO 80104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $10 | $0 | $10 | 0.33% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 4.55% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.62% |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 67 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 979 | $7.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 979 | $7.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 979 | $7.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 963 | $174K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 963 | $174K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 979 | $7.1M |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,574 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,574 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.