| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GINA M WESOLEK3 Filed as: GINA M. WESOLEK | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $12K | 12.07% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $29 | $3K | 2.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 111 SOUTH TEJON STREET COLORADO SPRINGS, CO 80903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 0.25% |
| MJ INSURANCE3 Filed as: G. T. FRANCISCOTTY AND OTHER AGENTS | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $142 | $1 | $143 | 0.15% |
| MARY CATHERINE WILLIAMS3 | 16319 EAST TENNESSEE AVENUE AURORA, CO 80017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $9 | $120 | 0.12% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.09% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.06% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 120 | $97K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 120 | $97K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 120 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.