| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA CITY, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $6K | $22K | 2.16% |
| SCOTT G. SPARKS3 | 1873 SOUTH BELLAIRE STREET SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $16K | $4K | $19K | 4.53% |
| BRIAN D. COOMBS3 | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $16K | $4K | $19K | 4.53% |
| CRAIG ANDREW GARRISON3 Filed as: CRAIG A. GARRISON | 825 SIMMS STREET LAKEWOOD, CO 80401 | NORTHWESTERN MUTUAL | $8K | $2K | $10K | 2.27% |
| THEODORE FINANCIAL GROUP INC3 Filed as: THEODORE FINANCIAL GROUP, INC. | 1873 SOUTH BELLAIRE STREET SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $5K | $406 | $5K | 1.19% |
| TMG AGENCY LLC3 Filed as: TMG AGENCY, LLC | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $3K | $305 | $4K | 0.89% |
| G. MICHAEL JONES3 | 825 SIMMS STREET LAKEWOOD, CO 80401 | NORTHWESTERN MUTUAL | $1K | $281 | $1K | 0.35% |
| BRYAN L. AUSTIN3 | 825 SIMMS STREET LAKEWOOD, CO 80401 | NORTHWESTERN MUTUAL | $115 | $27 | $142 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 12.74% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $880 | $0 | $880 | 0.54% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 9034 EAST EASTER PLACE, SUITE 202 CONTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $720 | $0 | $720 | 0.44% |
| TINA R. WAY AND OTHER AGENTS3 | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $525 | $0 | $525 | 0.32% |
| JENNIFER L FOSS3 Filed as: JENNIFER L. FOSS | 9034 EAST EASTER PLACE, SUITE 202 CONTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $318 | $0 | $318 | 0.20% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300 | $0 | $300 | 0.19% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOS SANTOS, III | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | $0 | $291 | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.43% |
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 | 931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 796 | $115K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 955 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 955 | $1.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 955 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.