| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 E UNION, STE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $45K | — | $45K | 2.59% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION, STE 700 DENVER, CO 80237 | UNION SECURITY INSURANCE COMPANY | $18K | — | $18K | 14.19% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION, STE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $9K | — | $9K | 9.18% |
| SW INSURANCE, INC.3 | 1190 PLUM VALLEY LANE HIGHLANDS RANCH, CO 80129 | ALLSTATE | $5K | — | $5K | 20.80% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE, SUITE 3A BAT ST LOUIS, MS 39520 | ALLSTATE | $2K | — | $2K | 6.51% |
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 | 613 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 433 | $101K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 613 | $129K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 613 | $153K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 613 | $129K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 434 | $1.7M |
| Other | PHILADELPHIA AMERICAN LIFE INSURANCE COMPANY | 11 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.