| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRUNK INSURANCE GROUP3 Filed as: STRUNK INSURANCE GROUP INC | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | DELTA DENTAL OF COLORADO | $1K | — | $1K | 2.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $284 | — | $284 | 0.45% |
| STRUNK INSURANCE GROUP3 | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 42247 PO BOX 650823 DALLAS, TX 75265 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $997 | $759 | $2K | 3.67% |
| STRUNK INSURANCE GROUP3 | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPARTMENT 42247 PO BOX 650823 DALLAS, TX 75265 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $538 | $254 | $792 | 5.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 173850 DENVER, CO 80217 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $131 | — | $131 | 1.46% |
| STRUNK INSURANCE GROUP3 Filed as: STRUNK INSURANCE GROUP INC | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $479 | — | $479 | 6.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 42247 PO BOX 650823 DALLAS, TX 75265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $119 | — | $119 | 1.67% |
| STRUNK INSURANCE GROUP3 Filed as: STRUNK INSURANCE GROUP INC | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $391 | — | $391 | 6.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 42247 PO BOX 650823 DALLAS, TX 75265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $98 | — | $98 | 1.67% |
| STRUNK INSURANCE GROUP3 | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $324 | — | $324 | 7.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPARTMENT 42247 PO BOX 650823 DALLAS, TX 75265 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $105 | $29 | $134 | 3.12% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 160 | $63K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 67 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 60 | $14K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.