| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST DENVER, CO 80210 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $15K | $65K | $80K | 2.36% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST DENVER, CO 80210 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $5K | $15K | $20K | 2.49% |
| GOLDSTEIN & ASSOCIATES LLC3 | 2 WEST DRY CREEK CIRCLE STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 20.00% |
| GOLDSTEIN & ASSOCIATES LLC3 | 2 WEST DRY CREEK CIRCLE STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 17.30% |
| 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 | 12.84% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST LITTLETON, CO 80210 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $2K | — | $2K | 10.00% |
| PHIL GOLDSTEIN3 | 2 WEST DRY CREEK CIRCLE STE 100 LITTLETON, CO 80120 | AMERICAN FIDELITY ASSURANCE COMPANY | $377 | — | $377 | 3.04% |
| KENNETH HOLMES3 | 1971 W MEAD CT CHANDLER, AZ 85248 | AMERICAN FIDELITY ASSURANCE COMPANY | $195 | — | $195 | 1.57% |
| WM RIGG CO3 Filed as: RIGG LIFE AGENCY INC | 700 N PEARL ST #N100 DALLAS, TX 75201 | AMERICAN FIDELITY ASSURANCE COMPANY | $170 | — | $170 | 1.37% |
| FRANKLIN K. LAGEMANN3 Filed as: FRANKLIN K LAGEMANN | 265 WINDOVER GROVE MEMPHIS, TN 38111 | AMERICAN FIDELITY ASSURANCE COMPANY | $89 | — | $89 | 0.72% |
| DONNIE STONE3 | PO BOX 622 WINNSBORO, TX 75494 | AMERICAN FIDELITY ASSURANCE COMPANY | $68 | — | $68 | 0.55% |
| BRIAN COHEN3 | 6804 N CAPITAL OF TEXAS HWY AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 4.73% |
| PHIL GOLDSTEIN3 | PO BOX 101596 DENVER, CO 80250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 1.89% |
| ANNALEE AHRENS3 | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.85% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.76% |
| JEFFREY PAUL MAYER3 | 2717 BRITTANY LANE GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.57% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST DENVER, CO 80210 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $75 | — | $75 | 10.05% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| 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 & LIFE INSURANCE COMPANY | 222 | $4.2M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 222 | $4.2M |
| Vision(2 contracts) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 222 | $4.2M |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $161K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $21K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $85K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.