| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $16K | $0 | $16K | 3.03% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $2K | $0 | $2K | 5.06% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 10.57% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $296 | $154 | $450 | 3.25% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $283 | $65 | $348 | 2.51% |
| KRISTEN ELISE RANDALL3 | 22 SOUTH GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $185 | $0 | $185 | 1.34% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $49 | $184 | 1.33% |
| OPTIO LLC3 | 8547 EAST ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $143 | $0 | $143 | 1.03% |
| CATHERINE DOBRATZ3 Filed as: CATHERINE DOBRATZ & VARIOUS BROKERS | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 0.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $621 | $0 | $621 | 10.02% |
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 | 91 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 95 | $527K |
| Dental | DELTA DENTAL OF COLORADO | 101 | $37K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 67 | $6K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $14K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $14K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 95 | $527K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 98 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.