| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | HMO COLORADO, INC. | $25K | — | $25K | 2.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINANCE | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | HMO COLORADO, INC. | — | $6K | $6K | 0.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $20K | $114 | $20K | 2.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINANCE | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | — | $4K | $4K | 0.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 11.47% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $7K | — | $7K | 4.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE | $2K | — | $2K | 9.11% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $147 | $1K | 38.40% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 9.94% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMO COLORADO, INC. | 137 | $1.6M |
| Dental | DELTA DENTAL OF COLORADO | 385 | $148K |
| Vision | EYEMED VISION CARE | 274 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $151K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $151K |
| Prescription drug(2 contracts, 2 carriers) | HMO COLORADO, INC. | 137 | $1.6M |
| Other(4 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 242 | $845K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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."
No prospect flags tripped on this filing.