| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $244K | $29K | $273K | 4.04% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $1K | $20K | 4.92% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.16% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | ANTHEM LIFE INSURANCE COMPANY | $43K | $9K | $52K | 15.37% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $27 | $1K | 5.97% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $840 | $267 | $1K | 5.76% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $677 | $177 | $854 | 4.44% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $269 | $49 | $318 | 1.65% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE INC. | 4687 WEST 18TH STREET GREELEY, CO 80634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $236 | $0 | $236 | 1.23% |
| DAVID W HOUK3 Filed as: DAVID W. HOUK | 1826 EAST RANCH ROAD TEMPE, AZ 85284 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
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 | 688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,242 | $6.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,565 | $402K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,565 | $402K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 688 | $341K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 688 | $341K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 688 | $341K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,242 | $6.8M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 688 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,565 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.