| 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 | $29K | $0 | $29K | 3.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 2.21% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLER GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 22.22% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 9034 EAST EASTER, SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | $0 | $100 | 0.72% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.53% |
| JENNIFER L FOSS3 Filed as: JENNIFER L. FOSS | 9034 EAST EASTER PLACE, SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.45% |
| TINA R. WAY AND OTHER AGENTS3 | 155 INVERNES SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.29% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.22% |
| JOSE DE LOS SANTOS III3 | 155 INVERENS SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.18% |
| SCOTT G. SPARKS3 | 1873 SOUTH BELLAIRE STREET SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $1K | $319 | $2K | — |
| BRIAN D. COOMBS3 | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $1K | $319 | $2K | — |
| CRAIG ANDREW GARRISON3 | 825 SIMMS STREET LAKEWOOD, CO 80401 | NORTHWESTERN MUTUAL | $633 | $160 | $793 | — |
| THEODORE FINANCIAL GROUP INC3 Filed as: THEODORE FINANCIAL GROUP, INC. | 1873 SOUTH BELLAIRE STREET SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $375 | $45 | $420 | — |
| TMG AGENCY LLC3 Filed as: TMG AGENCY, LLC | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $281 | $34 | $315 | — |
| G. MICHAEL JONES3 | 825 SIMMS STREET LAKEWOOD, CO 80401 | NORTHWESTERN MUTUAL | $106 | $38 | $144 | — |
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 | 880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 722 | $109K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 889 | $858K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 900 | $858K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 903 | $981K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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.