| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY E MATTESON3 | 12832 MAYFAIR WAY UNIT D ENGLEWOOD, CO 80112 | UNION SECURITY INSURANCE COMPANY | $27K | — | $27K | 9.93% |
| MARY E MATTESON3 | 4725 W QUINCY AVE, #808 DENVER, CO 80236 | SYMETRA FINANCIAL | $1K | — | $1K | 10.00% |
| MARY E MATTESON3 | 12832 MAYFAIR WAY #D ENGLEWOOD, CO 80112 | TRANSAMERICA LIFE INSURANCE CO. | $2K | — | $2K | 13.81% |
| BROKERS ASSISTANCE INC.3 | 8774 YATES DRIVE STE 100 WESTMINSTER, CO 80031 | TRANSAMERICA LIFE INSURANCE CO. | $121 | — | $121 | 0.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 1515 WYNKOOP SUITE 200 DENVER, CO 80202 | TRANSAMERICA LIFE INSURANCE CO. | $85 | — | $85 | 0.67% |
| JEREMY LUDVIGSON3 | 3106 ELMWOOD DRIVE RIVERTON, UT 84065 | TRANSAMERICA LIFE INSURANCE CO. | $71 | — | $71 | 0.56% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 174 | $31K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 349 | $275K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 349 | $275K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 349 | $275K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 349 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.