| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | MOUNTAIN WEST DEPT 999228 PO BOX 173850 DENVER, CO 80217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $59K | $65K | 3.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DENVER) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $667 | $5K | 8.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $439 | $2K | 18.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 173850 DENVER, CO 80217 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $445 | $49 | $494 | 12.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $261 | $3K | 111.36% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $1.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 184 | $12K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $6K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $63K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.