| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLDSTEIN & ASSOCIATES LLC3 | 1170 S GAYLORD ST DENVER, CO 80210 | BLUE CROSS BLUE SHIELD OF TEXAS | $91K | — | $91K | 2.07% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST DENVER, CO 80210 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $15K | — | $15K | 9.92% |
| GOLDSTEIN & ASSOCIATES LLC3 | 2 WEST DRY CREEK CIRCLE STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 20.00% |
| GOLDSTEIN & ASSOCIATES LLC3 | 2 WEST DRY CREEK CIRCLE STE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 16.37% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST DENVER, CO 80210 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $3K | — | $3K | 9.88% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD STREET DENVER, CO 80210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.84% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD STREET DENVER, CO 80210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| 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 | $317 | — | $317 | 2.71% |
| KENNETH HOLMES3 | 1971 W MEAD CT CHANDLER, AZ 85248 | AMERICAN FIDELITY ASSURANCE COMPANY | $195 | — | $195 | 1.66% |
| WM RIGG CO3 Filed as: RIGG LIFE AGENCY INC | 700 N PEARL ST #N1700 DALLAS, TX 75201 | AMERICAN FIDELITY ASSURANCE COMPANY | $149 | — | $149 | 1.27% |
| FRANKLIN K. LAGEMANN3 Filed as: FRANKLIN K LAGEMANN | 265 WINDOVER GROVE MEMPHIS, TN 38111 | AMERICAN FIDELITY ASSURANCE COMPANY | $89 | — | $89 | 0.76% |
| DONNIE STONE3 | PO BOX 622 WINNSBORO, TX 75494 | AMERICAN FIDELITY ASSURANCE COMPANY | $68 | — | $68 | 0.58% |
| BRIAN COHEN3 | 6804 N CAPITAL OF TEXAS HWY AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 5.53% |
| PHIL GOLDSTEIN3 | PO BOX 101586 DENVER, CO 80250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 2.46% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.74% |
| ANNALEE AHRENS3 | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.25% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST DENVER, CO 80210 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $46 | — | $46 | 10.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Contract Administrator Service code 13 | — | $10K |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 556 | $4.4M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 199 | $204K |
| Vision(2 contracts) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 199 | $187K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $175K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $29K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $95K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.
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.