| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE GREENWOOD VILLAGE, CO 80111 | AETNA LIFE INSURANCE COMPANY | $8K | $194 | $8K | 4.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $331 | $9K | 10.36% |
| EMPLOYER PLAN SVCS INC3 Filed as: EMPLOYER PLAN SERVICES | UNKNOWN CHEYENNE, WY 82001 | VISION SERVICE PLAN | $5K | $0 | $5K | 16.10% |
| PEAK1 ADMINISTRATION3 | UNKNOWN COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.90% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE GREENWOOD VILLAGE, CO 80111 | AETNA LIFE INSURANCE COMPANY | $630 | $0 | $630 | 2.10% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE GREENWOOD VILLAGE, CO 80111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 11.48% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $223 | $12 | $235 | 2.25% |
| OPTIO LLC3 | 8547 EAST ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $203 | $0 | $203 | 1.94% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $1 | $134 | 1.28% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PLACE DENVER, CO 80202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $0 | $90 | 0.86% |
| EVAN D BURDEN3 Filed as: EVAN D. BURDEN | 7807 EAST PEAKVIEW AVENUE SUITE 450 CENTENNIEL, CO 80111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $7 | $57 | 0.54% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $11 | $34 | 0.33% |
| SARA SORENSEN-CONNICK3 | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.11% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENOCRU PLACE, SUITE 900 DENVER, CO 80202 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | $0 | $225 | 15.00% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 446 | $207K |
| Vision | VISION SERVICE PLAN | 174 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $91K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 26 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $91K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.