| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 1.40% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC. INC. | 3001 WESTOWN PARKWAY DES MOINES, IA 50266 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 1.12% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 4.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC. INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 2.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC. INC. | PO BOX 9207 DES MOINES, IA 52806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $297 | $3K | 7.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $353 | $2K | 5.28% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED | $472 | — | $472 | 5.57% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC. INC. | 7600 EAST ORCHARD ROAD GREENWOOD VILLAGE, CO 80111 | EYEMED | $382 | — | $382 | 4.50% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $1.3M |
| Dental | DELTA DENTAL OF COLORADO | 231 | $87K |
| Vision | EYEMED | 177 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $35K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.