| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $175K | — | $175K | 4.63% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON BENEFITS, LLC | PO BOX 578 GREELEY, CO 80632 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | -$12K | — | -$12K | -0.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | ANTHEM LIFE INSURANCE COMPANY | $16K | — | $16K | 8.31% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 0.84% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $588 | $188 | $776 | 6.57% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON BENEFITS, LLC | 4687 WEST 18TH STREET GREELEY, CO 80634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $372 | — | $372 | 3.15% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $250 | $53 | $303 | 2.56% |
| LINDA W OLGUIN3 Filed as: LINDA W. OLGUIN | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $20 | $165 | 1.40% |
| DAVID W HOUK3 Filed as: DAVID W. HOUK | 1826 EAST RANCH ROAD TEMPE, AZ 85284 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.14% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 680 | $3.8M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 680 | $3.8M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 680 | $3.8M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 356 | $191K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 356 | $191K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 356 | $191K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 680 | $3.8M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 356 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.