| 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 | $65K | $5K | $69K | 2.65% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION, STE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $12K | — | $12K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION, STE 700 DENVER, CO 80237 | UNION SECURITY INSURANCE COMPANY | $17K | $1K | $18K | 15.97% |
| JAMES D HORVAT3 | 2824 S SEBRING CT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 11.67% |
| SW INSURANCE, INC.3 | 1190 PLUM VALLEY LAND HIGHLANDS RANCH, CO 80129 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.84% |
| WAYNE MONROE DRYE3 Filed as: WAYNE M DRYE | 2 RAVINIA DRIVE, SUITE 1500 ATLANTA, GA 30346 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.19% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R SANATA CRUZ | 718 DUNBAR AVE, SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.16% |
| MARSHA BICKLER3 | PO BOX 1958 EVERGREEN, CO 804371958 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| FITZHUGH L DUGGAN3 | 10251 PEACH BLOSSOM TRAIL COLORADO SPRINGS, CO 80920 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 512 | $124K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 301 | $55K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 301 | $171K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 165 | $115K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 547 | $2.6M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 301 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.