| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 E UNION, STE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $86K | — | $86K | 2.95% |
| JAMES D HORVAT3 Filed as: JAMES HORVAT | 2824 S SEBRING CT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | — | $22K | 5.32% |
| SW INSURANCE, INC.3 Filed as: SW INSURANCE | 1003 PLUM VALLEY LANE HIGHLANDS RANCH, CO 80129 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 2.28% |
| AMERICAN HERITAGE LIFE INSURANCE CO3 Filed as: AMERICAN HERITAGE LIFE INSURANCE | 1776 AMERICAN HERITAGE LIFE DR JACKSONVILLE, FL 32224 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 22.00% |
| JAMES D HORVAT3 | 2824 S SEBRING CT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.77% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOCIATION INC | 11175 CICERO DRIVE SUITE 500 ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| 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 | $2 | — | $2 | 0.01% |
| JAMES D HORVAT3 | 2824 S SEBRING CT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 17.32% |
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 | 636 | 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) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 627 | $2.9M |
| Dental(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 762 | $695K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 762 | $418K |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 762 | $437K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 19 | $19K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 627 | $2.9M |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 762 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.