| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $146K | $65K | $212K | 1.05% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HARTFORD LIFE AND ACCIDENT | $43K | $775 | $44K | 3.45% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | — | $21K | $21K | 1.67% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $31K | — | $31K | 3.06% |
| RUTH I LARKIN3 Filed as: RUTH I. LARKIN | 2000 WADSWORTH BOULEVARD, SUITE 202 LAKEWOOD, CO 80214 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.50% |
| LTCI PARTNERS LLC3 | 2924 MARKET PLACE DRIVE, SUITE 102 MADISON, WI 53719 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.03% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.47% |
| LTCG3 | 8601 NORTH SCOTTSDALE ROAD SUITE 335 SCOTTSDALE, AZ 85253 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $12 | $12 | 0.01% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $860 | $860 | 43.57% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $296 | — | $296 | 14.99% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $291 | $291 | 14.74% |
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 | 2,384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 91 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 4,147 | $20.1M |
| Dental | DELTA DENTAL OF COLORADO | 3,108 | $1.0M |
| Vision | EYEMED | 1,566 | $99K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,384 | $1.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,384 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,384 | $1.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 4,147 | $20.1M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,390 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,147 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.