| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHIL K GOLDSTEIN3 | PO BOX 101586 DENVER, CO 802501586 | BLUE CROSS BLUE SHIELD OF TEXAS | $203K | $4K | $207K | 4.09% |
| PHIL K GOLDSTEIN3 | PO BOX 101586 DENVER, CO 80250 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 9.92% |
| GOLDSTEIN & ASSOCIATES LLC3 Filed as: GOLDSTEIN & ASSOCIATES, LLC | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 20.00% |
| GOLDSTEIN & ASSOCIATES LLC3 Filed as: GOLDSTEIN & ASSOCIATES, LLC | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 16.06% |
| PHIL K GOLDSTEIN3 | PO BOX 101586 DENVER, CO 80250 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| WEALTH DESIGN GROUP, LLC3 Filed as: WEALTH STRATEGIES GROUP LLC | 6455 S YOSEMITE STE 300 ENGLEWOOD, CO 80111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67 | — | $67 | 0.14% |
| PHIL K GOLDSTEIN3 | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.81% |
| PHIL K GOLDSTEIN3 | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| PHIL K GOLDSTEIN3 | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | AMERICAN FIDELITY ASSURANCE COMPANY | $490 | — | $490 | 2.94% |
| WM RIGG CO3 Filed as: RIGG LIFE AGENCY INC | 700 N PEARL ST #N1700 DALLAS, TX 75201 | AMERICAN FIDELITY ASSURANCE COMPANY | $443 | — | $443 | 2.66% |
| W. ALVIN HOLMES3 | 24918 S GOLFVIEW DR SUN LAKES, AZ 85248 | AMERICAN FIDELITY ASSURANCE COMPANY | $229 | — | $229 | 1.37% |
| FRANKLIN K. LAGEMANN3 | 265 WINDOVER GROVE MEMPHIS, TN 38111 | AMERICAN FIDELITY ASSURANCE COMPANY | $102 | — | $102 | 0.61% |
| DONNIE STONE3 | PO BOX 622 WINNSBORO, TX 75494 | AMERICAN FIDELITY ASSURANCE COMPANY | $80 | — | $80 | 0.48% |
| AHRENS BENEFITS COMMUNICATIONS INC3 Filed as: AHRENS BENEFITS COMMUNICATIONS, INC | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 1.97% |
| BRIAN COHEN3 | 701 LEORA LANE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 1.88% |
| JEFFREY PAUL MAYER3 Filed as: JEFFREY P MAYER | 2717 BRITTANY LANE GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 1.63% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.78% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.73% |
| PHIL K GOLDSTEIN3 | PO BOX 101586 DENVER, CO 80250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 | Other fees Service code 99 | ONE FOUNTAIN SQUARE 3 WEST CHATTANOOGA, TN 37402 | $9K |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 768 | $5.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 237 | $209K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 237 | $209K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $95K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $27K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $95K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.