| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COST PLUS ADVISORS LLC3 Filed as: COST PLUS ADVISORS | 221 QUAIL RIDGECIRCLE LITTLETON, CO 80126 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $24K | — | $24K | 11.00% |
| COST PLUS ADVISORS LLC3 Filed as: COST PLUS ADVISORS | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 12.56% |
| COST PLUS ADVISORS LLC3 Filed as: COST PLUS ADVISORS | 221 QUAIL RIDGE CIRCLE, LITTLETON, CO 80126 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | — | $13K | 11.00% |
| COST PLUS ADVISORS LLC3 Filed as: COST PLUS ADVISORS, LLC | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| COST PLUS ADVISORS LLC3 Filed as: COST PLUS ADVISORS | 221 QUAIL RIDGE CIRCLE LITTLETON, CO 80126 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $11K | — | $11K | 11.00% |
| COST PLUS ADVISORS LLC3 Filed as: COST PLUSADVISORS | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 13.06% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.14% |
| COST PLUS ADVISORS LLC3 Filed as: COST PLUS ADVISORS | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 19.98% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES, INC | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 36.90% |
| GROUP BENEFIT STRATEGIES LLC5 Filed as: GROUP BENEFIT STRATEGIES, INC | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.61% |
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 | 1,506 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $60K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 826 | $102K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,522 | $218K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 327 | $70K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 343 | $117K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 1,506 | $568K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 355 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,522 | — |
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.