| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHIL GOLDSTEIN3 | 1170 S GAYLORD DENVER, CO 80210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $106K | $120K | 3.60% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD DENVER, CO 80210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $17K | $22K | 2.73% |
| GOLDSTEIN & ASSOCIATES LLC3 | 2 WEST DRY CREEK CIRCLE STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 20.00% |
| GOLDSTEIN & ASSOCIATES LLC3 | 2 W DRY CREEK CIR #100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 17.22% |
| PHIL GOLDSTEIN3 | 4323 W PONDS CIR LITTLETON, CO 80123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| PHIL GOLDSTEIN3 | 4323 W PONDS CIR LITTLETON, CO 80123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.82% |
| PHIL GOLDSTEIN3 | 2 W DRY CREEK CIR #100 LITTLETON, CO 80120 | AMERICAN FIDELITY ASSURANCE COMPANY | $471 | — | $471 | 3.73% |
| KENNETH HOLMES3 | 1971 W MEAD CT CHANDLER, AZ 85248 | AMERICAN FIDELITY ASSURANCE COMPANY | $185 | — | $185 | 1.47% |
| WM RIGG CO3 Filed as: RIGG LIFE AGENCY INC | 700 N PEARL ST #N1700 DALLAS, TX 75201 | AMERICAN FIDELITY ASSURANCE COMPANY | $179 | — | $179 | 1.42% |
| FRANKLIN K. LAGEMANN3 Filed as: FRANKLIN K LAGEMANN | 265 WINDOVER GROVE MEMPHIS, TN 38111 | AMERICAN FIDELITY ASSURANCE COMPANY | $71 | — | $71 | 0.56% |
| DONNIE STONE3 | PO BOX 622 WINNSBORO, TX 75494 | AMERICAN FIDELITY ASSURANCE COMPANY | $61 | — | $61 | 0.48% |
| BRIAN COHEN3 | 6804 N CAPITAL OF TEXAS HWY AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 4.57% |
| AHRENS BENEFITS COMMUNICATIONS INC3 | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 1.41% |
| PHIL GOLDSTEIN3 | PO BOX 101586 DENVER, CO 80250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 1.34% |
| JEFFREY PAUL MAYER3 | 2717 BRITTANY LN GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 1.28% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.94% |
| ANNALEE AHRENS3 | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 | Other fees Service code 99 | — | $7K |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $4.1M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $4.1M |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $4.1M |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $200K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $25K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $90K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.