| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR. SUITE 400 S DALLAS, TX 75251 | DELTA DENTAL OF COLORADO | $1K | — | $1K | 2.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W. ERIE STREET, SUITE #300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $768 | $768 | 1.25% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W. ERIE STREET, SUITE #300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $896 | $896 | 1.48% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG BENEFITS & FINANCIAL SERVICES | 12404 PARK CENTRAL DR. SUITE 400 S DALLAS, TX 75251 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $647 | — | $647 | 4.60% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST., STE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $1K | — | $1K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR. SUITE 400 S DALLA, TX 75251 | DELTA DENTAL OF COLORADO | $263 | — | $263 | 2.00% |
| IMA, INC.3 | 1705 17TH ST. STE. 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $25 | $188 | 3.85% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $14 | $92 | 1.89% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $17 | $70 | 1.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK ST CHICAGO, IL 60654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 1.11% |
| SELECTIVE OPTIONS INC3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $8 | $37 | 0.76% |
| MELISSA A KOLL3 | 216 CLIMAX DR DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.64% |
| OPTIO LLC3 Filed as: OPTIO, LLC | 8547 E ARAPAHOE RD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.16% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W. ERIE STREET, SUITE #300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $21 | $21 | 1.48% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG BENEFITS & FINANCIAL SERVICES | 12404 PARK CENTRAL DALLAS, TX 75251 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4 | — | $4 | 4.60% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF COLORADO | 174 | $80K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 209 | $14K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 280 | $122K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 280 | $122K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 280 | $122K |
| Other(6 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 280 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.