| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHIL K GOLDSTEIN3 | PO BOX 101586 DENVER, CO 802501586 | BLUE CROSS BLUE SHIELD OF TEXAS | $196K | — | $196K | 4.10% |
| 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 | $10K | — | $10K | 15.12% |
| PHIL K GOLDSTEIN3 | PO BOX 101586 DENVER, CO 80250 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 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 | $17 | — | $17 | 0.04% |
| TRAVIS J HART3 | 6455 S YOSEMITE #300 ENGLEWOOD, CO 80111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
| 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 | $499 | — | $499 | 3.18% |
| WM RIGG CO3 Filed as: RIGG LIFE AGENCY INC | 700 N PEARL ST #N1700 DALLAS, TX 75201 | AMERICAN FIDELITY ASSURANCE COMPANY | $339 | — | $339 | 2.16% |
| W. ALVIN HOLMES3 | 2555 N PRICE RD #2132 CHANDLER, AZ 85224 | AMERICAN FIDELITY ASSURANCE COMPANY | $220 | — | $220 | 1.40% |
| FRANKLIN K. LAGEMANN3 | 265 WINDOVER GROVE MEMPHIS, TN 38111 | AMERICAN FIDELITY ASSURANCE COMPANY | $82 | — | $82 | 0.52% |
| DONNIE STONE3 | PO BOX 622 WINNSBORO, TX 75494 | AMERICAN FIDELITY ASSURANCE COMPANY | $72 | — | $72 | 0.46% |
| BRIAN COHEN3 | 701 LEORA LANE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 3.96% |
| AHRENS BENEFITS COMMUNICATIONS INC3 Filed as: AHRENS BENEFITS COMMUNICATIONS, INC | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 1.78% |
| JEFFREY PAUL MAYER3 Filed as: JEFFREY P MAYER | 2717 BRITTANY LANE GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 1.38% |
| PHIL K GOLDSTEIN3 | PO BOX 101586 DENVER, CO 80250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 1.15% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.92% |
| PHIL K GOLDSTEIN3 | 2 WEST DRY CREEK CIRCLE, STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | — |
| 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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 301 | 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 | 648 | $4.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $221K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $221K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $69K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $2K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $69K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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.