| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $27K | $0 | $27K | 3.65% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $15K | $15K | 1.99% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 4.98% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $229 | $7K | 4.64% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $302 | $2K | 1.44% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $221 | $2K | 1.28% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $729 | $0 | $729 | 0.47% |
| KRISTEN ELISE RANDALL3 | 22 SOUTH GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $649 | $30 | $679 | 0.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | VISION SERVICE PLAN | $3K | $0 | $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 | 1,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 730 | $123K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 778 | $1.1M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 778 | $745K |
| Other(4 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,150 | $976K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,150 | — |
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."
No prospect flags tripped on this filing.