| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $8K | — | $8K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | BANK OF AMERICA WILLIS TOWERS WATSON INS SVCS CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $34K | — | $34K | 5.31% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | STANDARD INSURANCE COMPANY | — | $28K | $28K | 4.42% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 0.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | BANK OF AMERICA WILLIS TOWERS WATSON INS SVCS CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 5.42% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | STANDARD INSURANCE COMPANY | — | $15K | $15K | 4.51% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 0.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $39 | $22K | 11.56% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.21% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $325 | $325 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $14K | — | $14K | 9.12% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | VISION SERVICE PLAN | -$107 | — | -$107 | -0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $39 | $9K | 12.59% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $916 | $916 | 1.34% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $124 | $124 | 0.18% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS | 737 MAIN STREET BUFFALO, NY 14203 | METLIFE LEGAL PLANS | $3K | $1K | $4K | 9.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | 555 17TH STREET, SUITE 2050 DENVER, CO 80202 | METLIFE LEGAL PLANS | $873 | — | $873 | 2.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | 2000 S COLORADO BLVD TOWER II, SUITE 900 DENVER, CO 80222 | METLIFE LEGAL PLANS | $557 | — | $557 | 1.38% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 932330 ATLANTA, GA 31193 | METLIFE LEGAL PLANS | — | $259 | $259 | 0.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METLIFE LEGAL PLANS | — | $7 | $7 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 555 17TH STREET SUITE 2050 DENVER, CO 80202 | METLIFE LEGAL PLANS | $873 | — | $873 | 5.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2000 SOUTH COLORADO BLVD TOWER II, SUITE 900 DENVER, CO 80222 | METLIFE LEGAL PLANS | $557 | — | $557 | 3.74% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC. | PO BOX 932330 ATLANTA, GA 31193 | METLIFE LEGAL PLANS | — | $259 | $259 | 1.74% |
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 | 1,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 2,053 | $799K |
| Vision | VISION SERVICE PLAN | 815 | $157K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,164 | $634K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,167 | $328K |
| Other(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,164 | $949K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,053 | — |
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.