| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 10.12% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.51% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | TRANSAMERICA LIFE INSURANCE COMPANY | $10 | — | $10 | 2.64% |
| DANIEL M. PIGGOT3 | 590 HIGHWAY 105, SUITE 252 MONUMENT, CO 80132 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | — | $9 | 2.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 201503 DALLAS, TX 75320 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | — | $3 | 0.79% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | — | $1 | 0.26% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 274 | $146K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 274 | $146K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 274 | $146K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 274 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.