| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL CELLA3 | 732 NEWMAN SPRINGS ROAD, 2ND FLOOR LINCROFT, NJ 07738 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 4.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 46510 DENVER, CO 80201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 1.52% |
| SCOTT G. SPARKS3 | 1873 SOUTH BELLAIRE STREET SUITE 1700 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $20K | $5K | $25K | 5.76% |
| BRIAN D. COOMBS3 | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $20K | $5K | $25K | 5.76% |
| THEODORE FINANCIAL GROUP INC3 Filed as: THEODORE FINANCIAL GROUP, INC. | 1873 SOUTH BELAIRE STREET SUITE 1700 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $4K | $392 | $5K | 1.11% |
| TMG AGENCY LLC3 | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $4K | $392 | $5K | 1.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 11.80% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 9034 EAST EASTER, SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $832 | — | $832 | 0.44% |
| JOSE DE LOS SANTOS III3 | 155 INVERNES SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $549 | — | $549 | 0.29% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERNES SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $500 | — | $500 | 0.26% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. BABY | 9247 NORTH MERIDIAN STREET, SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $476 | — | $476 | 0.25% |
| KEIFER GROUP INSURANCE AGCY LLC3 Filed as: KEIFER GROUP INSURANCE AGENCY LLC | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $467 | — | $467 | 0.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 46510 DENVER, CO 80201 | VISION SERVICE PLAN | $3K | — | $3K | 2.49% |
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 | 981 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 995 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 837 | $109K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 956 | $759K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 956 | $1.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 982 | $966K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.