| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHIL K GOLDSTEIN3 | PO BOX 101586 DENVER, CO 802501586 | BLUE CROSS BLUE SHIELD OF TEXAS | $201K | $4K | $206K | 3.99% |
| PHIL K GOLDSTEIN3 | PO BOX 101586 DENVER, CO 80250 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 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 | $17K | — | $17K | 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 | $8K | — | $8K | 15.00% |
| 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 | $31 | — | $31 | 0.07% |
| 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 | $515 | — | $515 | 3.03% |
| WM RIGG CO3 Filed as: RIGG LIFE AGENCY INC | 700 N PEARL ST #N1700 DALLAS, TX 75201 | AMERICAN FIDELITY ASSURANCE COMPANY | $452 | — | $452 | 2.66% |
| W. ALVIN HOLMES3 | 2555 N PRICE RD #2132 CHANDLER, AZ 85224 | AMERICAN FIDELITY ASSURANCE COMPANY | $220 | — | $220 | 1.30% |
| FRANKLIN K. LAGEMANN3 | 265 WINDOVER GROVE MEMPHIS, TN 38111 | AMERICAN FIDELITY ASSURANCE COMPANY | $82 | — | $82 | 0.48% |
| DONNIE STONE3 | PO BOX 622 WINNSBORO, TX 75494 | AMERICAN FIDELITY ASSURANCE COMPANY | $72 | — | $72 | 0.42% |
| GOLDSTEIN & ASSOCIATES LLC3 Filed as: GOLDSTEIN & ASSOCIATES, LLC | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 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 | $2K | — | $2K | 15.00% |
| PHIL K GOLDSTEIN3 | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $885 | — | $885 | 10.00% |
| GOLDSTEIN & ASSOCIATES LLC3 Filed as: GOLDSTEIN & ASSOCIATES, LLC | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $688 | — | $688 | 19.99% |
| BRIAN COHEN3 | 701 LEORA LANE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 2.21% |
| AHRENS BENEFITS COMMUNICATIONS INC3 Filed as: AHRENS BENEFITS COMMUNICATIONS, INC | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 1.76% |
| JEFFREY PAUL MAYER3 Filed as: JEFFREY P MAYER | 2717 BRITTANY LANE GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 1.43% |
| PHIL K GOLDSTEIN3 | PO BOX 101586 DENVER, CO 80250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.63% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.48% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.39% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.36% |
| GOLDSTEIN & ASSOCIATES LLC3 Filed as: GOLDSTEIN & ASSOCIATES, LLC | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $377 | — | $377 | 15.01% |
| GOLDSTEIN & ASSOCIATES LLC3 Filed as: GOLDSTEIN & ASSOCIATES, LLC | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $224 | — | $224 | 15.04% |
| 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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 419 | 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 | 750 | $5.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $227K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $227K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 356 | $26K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $12K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $67K |
| Other(8 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 356 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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.