| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 2000 SOUTH COLORADO BLVD TOWER 11, SUITE 900 DENVER, CO 80222 | AETNA LIFE INSURANCE CO. | $24K | — | $24K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 2000 S COLORADO BLVD TWR II STE 900 DENVER, CO 80222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4 | — | $4 | 0.00% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 9034 E. EASTER, SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $933 | — | $933 | 3.42% |
| JANET A MARSHALL3 Filed as: JANET A. MARSHALL | 3169 SOUTH DAYTON COURT DENVER, CO 80231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $669 | — | $669 | 2.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 720 S. COLORADO BLVD TOWER II, STE 900 ENGLEWOOD, CO 80246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $580 | — | $580 | 2.13% |
| KENNETH GARNER3 | 14390 FOOTHILL RD GOLDEN, CO 80401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $403 | — | $403 | 1.48% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 N. MERIDIAN ST, STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.75% |
| ZENAT SHARIFF BELKIN3 Filed as: ZENAT S. BELKIN | 14204 W. EVANS CIRCLE LAKEWOOD, CO 80228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.41% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S. KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.35% |
| TINA WAY3 Filed as: TINA R. WAY | 155 IVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.21% |
| JOSE DE LOS SANTOS III3 | 155 INVERENSS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| JANET A MARSHALL3 Filed as: JANET A. MARSHALL | 3169 S. DAYTON CT DENVER, CO 80231 | AFLAC | $436 | — | $436 | 9.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 62877 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | AFLAC | $291 | — | $291 | 6.62% |
| ZENAT SHARIFF BELKIN3 | 9034 E. EASTER PLACE, STE 202 CENTENNIAL, CO 80112 | AFLAC | $191 | — | $191 | 4.35% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 9034 E. EASTER PLACE, STE 202 CENTENNIAL, CO 80112 | AFLAC | $166 | — | $166 | 3.78% |
| KENNETH GARNER3 | 14390 FOOTHILL ROAD GOLDEN, CO 80401 | AFLAC | $89 | — | $89 | 2.03% |
| LAUREN C ANDERSON3 Filed as: LAUREN C. ANDERSON | PO BOX 18298 AVON, CO 81620 | AFLAC | $34 | — | $34 | 0.77% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $26 | — | $26 | 0.59% |
| MELISSA NAMECHE3 | PO BOX 260850 LAKEWOOD, CO 80226 | AFLAC | $26 | — | $26 | 0.59% |
| KEVIN LEE3 | 1207 KENNEDY AVENUE LOUISVILLE, CO 80027 | AFLAC | $21 | — | $21 | 0.48% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $11 | — | $11 | 0.25% |
| JOHN P THOMPSON3 Filed as: JOHN P. THOMPSON | 6395 S. KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $9 | — | $9 | 0.20% |
| SUSAN C BANKS3 Filed as: SUSAN C. BANKS | 604 WILLOWBROOK RD SILVERTHORNE, CO 80498 | AFLAC | $9 | — | $9 | 0.20% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 N. MERIDIAN ST, STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $5 | — | $5 | 0.11% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 N. MERIDIAN ST, STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $5 | — | $5 | 0.11% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 N. MERIDIAN ST, STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $5 | — | $5 | 0.11% |
| LESLEY L. MICHTAVY3 | 10232 BENTWOOD CIR HIGHLANDS RANCH, CO 80126 | AFLAC | $2 | — | $2 | 0.05% |
| DAVID HANCOCK INC3 Filed as: DAVID HANCOCK, INC. | PO BOX 423 LAVON, TX 75166 | AFLAC | $1 | — | $1 | 0.02% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 243 | $1.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $106K |
| Vision | EYEMED VISION CARE | 247 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $106K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $106K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.