| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA M LAUER3 | 1530 BISON RIDGE DRIVE COLORADO SPRINGS, CO 80919 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 2.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC | 2170 SOUTH PARKER ROAD SUITE 251 DENVER, CO 80231 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.61% |
| LISA M LAUER3 | 6660 DELMONICO DRIVE # D 150 COLORADO SPRINGS, CO 80919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.67% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC | 2170 SOUTH PARKER ROAD SUITE 251 DENVER, CO 80231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $266 | — | $266 | 0.53% |
| LAUER, LISA M3 | 1530 BISON RIDGE DRIVE COLORADO SPRINGS, CO 80919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.01% |
| LISA M LAUER3 | 6660 DELMONICO DRIVE # D 150 COLORADO SPRINGS, CO 80919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $372 | — | $372 | 4.44% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $335 | $335 | 3.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC | 2170 SOUTH PARKER ROAD SUITE 251 DENVER, CO 80231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $131 | — | $131 | 1.56% |
| LISA M LAUER3 | 6660 DELMONICO DRIVE # D 150 COLORADO SPRINGS, CO 80919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $493 | — | $493 | 10.36% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $238 | $238 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC | 2170 SOUTH PARKER ROAD SUITE 251 DENVER, CO 80231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $138 | — | $138 | 2.90% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $645K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $50K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $13K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.