| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $883 | $2K | 6.98% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $188 | $1K | 4.17% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $133 | $1K | 4.07% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS, INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $345 | $55 | $400 | 1.39% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY STREET, SUITE 101 LONGMONT, CO 80501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $306 | $0 | $306 | 1.07% |
| DNASH ACCOUNTING & TAX SERVICES INC3 Filed as: DNASH ACCT & TAX SVC & OTHER AGENTS | 7488 CAMERON DRIVE LARKSPUR, CO 80118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 0.41% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.28% |
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 | 554 | 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) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 363 | $60K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $247K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 35 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $218K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.