| 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 | $82K | $3K | $84K | 2.61% |
| JAMES D HORVAT3 Filed as: JAMES HORVAT | 2824 S SEBRING CT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 5.53% |
| SW INSURANCE, INC.3 Filed as: SW INSURANCE | 1190 PLUM VALLEY LN HIGHLANDS RANCH, CO 80129 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.37% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 173852 DENVER, CO 80217 | UNION SECURITY INSURANCE COMPANY | $15K | $4K | $19K | 18.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 80237 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 12.75% |
| JAMES D HORVAT3 | 2824 S SEBRING CT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.79% |
| SW INSURANCE, INC.3 | 1190 PLUM VALLEY LAND HIGHLANDS RANCH, CO 80129 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $805 | — | $805 | 1.43% |
| 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 | $56 | — | $56 | 0.10% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOCIATION INC | 2 RAVINIA DRIVE, SUITE 1500 ATLANTA, GA 30346 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.05% |
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 | 921 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 921 | $197K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 921 | $197K |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 921 | $254K |
| Short-term disability(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 176 | $250K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 176 | $194K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 706 | $3.2M |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 921 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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.