| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $187 | $6K | 8.89% |
| INSURANCE ACCENTS CORPORATION3 Filed as: INSURANCE ACCENTS CORP | 18091 E. KEPNER DR AURORA, CO 80017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $855 | $87 | $942 | 1.49% |
| SCOTT ZESSIN3 | 4889 MEADOW DRIVE VAIL, CO 81657 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $0 | $203 | 0.32% |
| ELIZABETH FULTON3 | PO BOX 1047 GLENWOOD SPRINGS, CO 81602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.12% |
| LUCINDA MOREY3 | 9425 S. BEXLEY DRIVE HIGHLAND RANCH, CO 80126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.11% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.06% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES INC | 3390 UNIVERSITY AVE, #300 RIVERSIDE, CA 92501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $250 | $250 | 0.89% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON | 4687 W. 18TH STREET GREELEY, CO 80634 | COLORADO EYECARE SPECIALISTS IPA, LLC | $1K | $0 | $1K | 5.07% |
| ACTIVE INSURANCE SOLUTIONS3 | 940 COLORADO AVE GRAND JUNCTION, CO 81501 | COLORADO EYECARE SPECIALISTS IPA, LLC | $1K | $0 | $1K | 4.94% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 232 | $201K |
| Dental | DELTA DENTAL OF COLORADO | 341 | $87K |
| Vision | COLORADO EYECARE SPECIALISTS IPA, LLC | 244 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 247 | $28K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 247 | $28K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 232 | $201K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 850 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 850 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.