| 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 | $9K | $90K | 2.67% |
| JAMES D HORVAT3 Filed as: JAMES HORVAT | 2824 S SEBRING CT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 5.76% |
| SW INSURANCE, INC.3 Filed as: SW INSURANCE | 1003 PLUM VALLEY LANE HIGHLANDS RANCH, CO 80129 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 80237 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | $3K | $33K | 20.04% |
| JAMES D HORVAT3 | 2824 S SEBRING CT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 15.34% |
| SW INSURANCE, INC.3 | 1003 PLUM VALLEY LANE HIGHLANDS RANCH, CO 80129 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $824 | — | $824 | 1.83% |
| 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 | $18 | — | $18 | 0.04% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOCIATION INC | 2 RAVINIA DRIVE, SUITE 1500 ATLANTA, GA 30346 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JAMES D HORVAT3 | 2824 S SEBRING CT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 31.34% |
| SW INSURANCE, INC.3 Filed as: SW INSURANCE | 1003 PLUM VALLEY LANE HIGHLANDS RANCH, CO 80129 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 5.97% |
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 | 924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 641 | $3.4M |
| Dental | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 751 | $202K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 751 | $202K |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 751 | $247K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $210K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $164K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 641 | $3.4M |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 751 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.