| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 195 TELLURIDE ST. BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $869 | $4K | 6.04% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC | 2997 HYDRA DR. LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $267 | $1K | 2.25% |
| HOFGARD & COMPANY INC.3 Filed as: HOFGARD & COMPANY, INC. | 400 S. MCCASLIN BLVD., 201 LOUISVILLE, CO 80027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | — | $809 | 1.34% |
| LINDA W OLGUIN3 Filed as: LINDA OLGUIN | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | $98 | $554 | 0.91% |
| THE WRIGHT BENEFITS LLC3 Filed as: THE WRIGHT GROUP, INC. | 1873 S. BELLAIRE ST. DENVER, CO 80222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $406 | — | $406 | 0.67% |
| ROBERT N STRINGER3 Filed as: ROBERT STRINGER | 109 EASTSIDE DR. BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 0.24% |
| WELLS FARGO INSURANCE SERVICES | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.22% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $2 | $70 | 0.12% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.12% |
| MELISSA A KOLL3 Filed as: MELISSA KOLL | 216 CLIMAX DR. DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.05% |
| DEAN SAILER3 | 3409 CONEFLOWER FT COLLINS, CO 80521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 191 TELLURIDE ST. BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $62 | $255 | 4.58% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFITS ADVISORS LLC | 2997 HYDRA DR. LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 1.01% |
| LINDA W OLGUIN3 Filed as: LINDA W. OLGUIN | 9720 E. 151ST PL. BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $4 | $43 | 0.77% |
| THE WRIGHT BENEFITS LLC3 Filed as: THE WRIGHT GROUP, INC. | 1873 S. BELLAIRE ST. DENVER, CO 80222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.52% |
| HOFGARD & COMPANY INC.3 Filed as: HOFGARD AND COMPANY, INC. | 400 S. MOCCASLIN BLVD. 201 LOUISVILLE, CO 80027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.36% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.34% |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $2.6M |
| Dental | DELTA DENTAL OF COLORADO | 352 | $140K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $2.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 303 | $32K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 80 | $154K |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 313 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.