| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVENUE #700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $41K | $1K | $42K | 5.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVENUE #700 DENVER, CO 80237 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 7.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE #1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $872 | — | $872 | 0.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVENUE #700 DENVER, CO 80237 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 3.43% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | AMERITAS LIFE INSURANCE CORPORATION | $153 | — | $153 | 0.19% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | BETA HEALTH | $319 | — | $319 | 7.61% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 106 | $815K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 283 | $86K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 259 | $214K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 259 | $214K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 259 | $214K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 106 | $815K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 259 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.