| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80246 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $26K | — | $26K | 3.65% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARDWOOD, SUITE 2500 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $12K | $12K | 1.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH AVENUE, SUITE 900 KANSAS CITY, MO 64112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24K | — | $24K | 7.09% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $6K | $15K | 9.83% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $1K | $12K | 7.55% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 3.29% |
| LINDA W OLGUIN3 Filed as: LINDA W. OLGUIN | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $697 | $3K | 2.09% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $72 | $1K | 0.75% |
| JONATHON MICHAEL MANILI3 | PO BOX 102488 DENVER, CO 80250 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 0.13% |
| MJ INSURANCE3 Filed as: G. FRANCISCOTTY AND VARIOUS AGENTS | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | $9 | $168 | 0.11% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | VISION SERVICE PLAN | $3K | — | $3K | 2.37% |
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 | 1,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 710 | $123K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 784 | $1.1M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 784 | $720K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,110 | $933K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,110 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.