| 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 | $170K | $35K | $205K | 0.81% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HARTFORD LIFE AND ACCIDENT | $48K | $898 | $49K | 3.44% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $28K | $28K | 1.98% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $38K | $0 | $38K | 2.97% |
| RUTH LARKIN3 | 2000 WADSWORTH BOULEVARD LAKEWOOD, CO 80214 | LIFESECURE INSURANCE COMPANY | $3K | $0 | $3K | 6.02% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | LIFESECURE INSURANCE COMPANY | $1K | $0 | $1K | 3.01% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 100 FIELD DRIVE LAKE FOREST, IL 60045 | LIFESECURE INSURANCE COMPANY | $489 | $0 | $489 | 1.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $611 | $611 | 25.88% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $590 | $590 | 24.99% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $354 | $0 | $354 | 14.99% |
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 | 2,609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 4,213 | $25.2M |
| Dental | DELTA DENTAL OF COLORADO | 3,517 | $1.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 2,123 | $175K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,613 | $1.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,613 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,613 | $1.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 4,213 | $25.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,613 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,213 | — |
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.