| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT G. SPARKS3 Filed as: SCOTT G SPARKS | 1873 S BELLAIRE STREET, SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $2K | $363 | $2K | 2.39% |
| BRIAN D. COOMBS3 Filed as: BRIAN D COOMBS | 111 E BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $1K | $253 | $1K | 1.66% |
| THEODORE FINANCIAL GROUP INC3 | 1873 S BELLAIRE STREET, SUITE 1600 DENVER, CO 80222 | NORTHWESTERN MUTUAL | $360 | $32 | $392 | 0.48% |
| TMG AGENCY LLC3 | 111 E BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $243 | $21 | $264 | 0.33% |
| JEFFREY M COHEN3 | 5655 S YOSEMITE STREET, SUITE 100 GREENWOOD VILLAGE, CO 80111 | NORTHWESTERN MUTUAL | $70 | $16 | $86 | 0.11% |
| ERIC MCGOUGH3 | 5655 S YOSEMITE STREET, SUITE 100 GREENWOOD VILLAGE, CO 80111 | NORTHWESTERN MUTUAL | $12 | $3 | $15 | 0.02% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 176 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.