| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN SPECIALTY BENEFITS3 | 155 NORTH WACKER DRIVE SUITE 4000 CHICAGO, IL 60606 | GRANULAR INSURANCE COMPANY | $52K | — | $52K | 5.00% |
| ALEXANDER BENEFITS CONSULTING Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 EIGHTEENTH STREET SUITE 2870 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE CO | — | — | $0 | 0.00% |
| ALEXANDER BENEFITS CONSULTING3 | 1099 18TH ST, STE 2870 DENVER, CO 80202 | LINCOLN NATIONAL LIFE INSURANCE CO | $7K | $929 | $8K | 5.71% |
| VHA MID AMERICA INS SVCS3 | PO BOX 842167 DALLAS, TX 75284 | LINCOLN NATIONAL LIFE INSURANCE CO | $7K | — | $7K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $619 | $619 | 0.47% |
| ALEXANDER BENEFITS CONSULTING3 | 1099 18TH ST, STE 2870 DENVER, CO 802021911 | VISION SERVICE PLAN | $3K | — | $3K | 2.28% |
| ALEXANDER BENEFITS CONSULTING3 | 1099 EIGHTEENTH STREET SUITE 2870 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE CO | $4K | — | $4K | 5.00% |
| DIANA SWINDERMAN3 | 1170 HARDING AVE CANON CITY, CO 81212 | AFLAC | $2K | — | $2K | 2.54% |
| REBECCA J SNEDDON3 | 315 YUCCA ST PUEBLO, CO 81005 | AFLAC | $921 | — | $921 | 1.17% |
| FRED H STREIFF3 | 33000 VISTA WEST DR TRINIDAD, CO 81082 | AFLAC | $699 | — | $699 | 0.89% |
| ROGER CURTIS POWELL3 | 550 LIBERTY ST APT 501 BRAINTREE, MA 02184 | AFLAC | $497 | — | $497 | 0.63% |
| DORA PARSONS3 Filed as: DORA B PARSONS | 1858 W COSTILLA DR PUEBLO, CO 81007 | AFLAC | $362 | — | $362 | 0.46% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $289 | — | $289 | 0.37% |
| NIKKI KERR3 | PO BOX 7714 PUEBLO WEST, CO 81007 | AFLAC | $287 | — | $287 | 0.37% |
| CLINT ERIC WEIGHT3 | 706 S 320 E SALEM, UT 84653 | AFLAC | $231 | — | $231 | 0.29% |
| ZAKERY ALLEN HARLOW3 | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $219 | — | $219 | 0.28% |
| JARED CONLEY3 Filed as: JARED ANDREW CONLEY | 1613 SAVANNAH DR PUEBLO, CO 81005 | AFLAC | $218 | — | $218 | 0.28% |
| SHERRY TURNER3 Filed as: SHERRY TURNER LLC | PO BOX 255 PONCHA SPRINGS, CO 81242 | AFLAC | $140 | — | $140 | 0.18% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $90 | — | $90 | 0.11% |
| DANIEL E YOUNG3 | PO BOX 532 GREEN MOUNTAIN FALLS, CO 80819 | AFLAC | $68 | — | $68 | 0.09% |
| RONALD A MONSON3 | 309 W LINDEN AVE PUEBLO WEST, CO 81007 | AFLAC | $61 | — | $61 | 0.08% |
| BILLY WAYNE OCONNOR3 | 16762 W 163RD TER OLATHE, KS 66062 | AFLAC | $49 | — | $49 | 0.06% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $44 | — | $44 | 0.06% |
| DAVID E CLINKSCALES3 | 707 E 3RD STE 111 BIG SPRING, TX 79720 | AFLAC | $43 | — | $43 | 0.05% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W, STE 111 ENGLEWOOD, CO 80112 | AFLAC | $38 | — | $38 | 0.05% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $36 | — | $36 | 0.05% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $33 | — | $33 | 0.04% |
| KIM JORDAN3 | PO BOX 2233 DURANGO, CO 81302 | AFLAC | $17 | — | $17 | 0.02% |
| MATHEW P GAHM3 | 6524 MINERAL BELT DR COLORADO SPRINGS, CO 80927 | AFLAC | $14 | — | $14 | 0.02% |
| ARTHUR C RIEKE3 | 10 TOWN PLZ PMB 201 DURANGO, CO 81301 | AFLAC | $10 | — | $10 | 0.01% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT P EVANS JR INC | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $9 | — | $9 | 0.01% |
| CINDY MCKNIGHT3 Filed as: CINDY L MCKNIGHT | 2421 COUNTY ROAD 204 DURANGO, CO 81301 | AFLAC | $6 | — | $6 | 0.01% |
| ASPEN R LLC3 Filed as: ASPEN R MADRID | 261 MONARCH CREST TRL DURANGO, CO 81301 | AFLAC | $6 | — | $6 | 0.01% |
| STEVE WHITTEN3 | PO BOX 1644 ALEDO, TX 76008 | AFLAC | $4 | — | $4 | 0.01% |
| SARA BRIERY3 Filed as: SARA E BRIERY | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $4 | — | $4 | 0.01% |
| LAWRENCE A ELMORE3 | PO BOX 244 MORRISON, CO 80465 | AFLAC | $3 | — | $3 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $3 | — | $3 | 0.00% |
| AUDREY J SHRIVE3 | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE M BARRETT3 | 201 LINDSAY TRL FORT PIERRE, SD 57532 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY ROAD 1450 LUBBOCK, TX 79407 | AFLAC | $1 | — | $1 | 0.00% |
| ALEXANDER BENEFITS CONSULTING3 | 1099 18TH ST STE 2870 DENVER, CO 80202 | LINCOLN NATIONAL LIFE INSURANCE CO | $940 | $142 | $1K | 5.75% |
| VHA MID AMERICA INS SVCS3 | PO BOX 842167 DALLAS, TX 75284 | LINCOLN NATIONAL LIFE INSURANCE CO | $940 | — | $940 | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $95 | $95 | 0.51% |
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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 986 | $356K |
| Vision | VISION SERVICE PLAN | 408 | $119K |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 773 | $207K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 593 | $86K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 519 | $1.0M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 1,376 | $846K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,376 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.