| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA CITY, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $16K | $32K | 3.15% |
| LTC SOLUTIONS, INC.3 Filed as: LTC SOLUTIONS | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 3.04% |
| SCOTT G. SPARKS3 | 1873 SOUTH BELLAIRE STREET SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $24K | $5K | $29K | 6.55% |
| BRIAN D. COOMBS3 | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $24K | $5K | $29K | 6.55% |
| THEODORE FINANCIAL GROUP INC3 Filed as: THEODORE FINANCIAL GROUP, INC. | 1873 SOUTH BELAIRE STREET SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $5K | $463 | $6K | 1.29% |
| TMG AGENCY LLC3 | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $5K | $463 | $6K | 1.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | — | $23K | 14.05% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.62% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 9034 EAST EASTER, SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $782 | — | $782 | 0.48% |
| KEIFER GROUP INSURANCE AGCY LLC3 Filed as: KEIFER GRP INS AGCY & OTHER AGENTS | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $566 | — | $566 | 0.35% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $340 | — | $340 | 0.21% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | — | $338 | 0.21% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERENS SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $313 | — | $313 | 0.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | VISION SERVICE PLAN | $3K | — | $3K | 2.48% |
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 | 982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 830 | $110K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 957 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 957 | $1.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 982 | $1.2M |
| 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."
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.