| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN RAY GRIFFIN3 Filed as: STEVEN CLEMENS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 3.69% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: TIMOTHY HEFFERNAN | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 3.69% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: TIMOTHY J HEFFERNAN | 4266 S SHERMAN STREET ENGLEWOOD, CO 80110 | GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.61% |
| RYAN H BECK3 | 756 E WINCHESTER BOULEVARD MURRY, UT 84107 | GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN | BELLAIRE STREET #500 PARKER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.76% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| FOREVER EMPLOYER LTD3 | 2001 ROSEN DRIVE FORT COLLINS, CO 80528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $98 | $1K | 20.54% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: TIMOTHY HEFFERNAN | 10841 SUTH CROSSROADS DRIVE PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $611 | $50 | $661 | 12.11% |
| EVAN D BURDEN3 | 7807 E PEAKVIEW AVE #450 CENTENNIEL, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | $34 | $341 | 6.25% |
| MAXIMUM BENEFIT SOLUTIONS LLC3 Filed as: MAXIMUM BENEFIT SOLUTIONS INC | 2001 ROSEN DRIVE FORT COLLINS, CO 80528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $10 | $61 | 1.12% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DRIVE PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.48% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.26% |
| TIM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.13% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: J HEFFERNAN | BALLAIRE STREET #500 PARKER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $650 | — | $650 | 13.21% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 99 | $80K |
| Vision | GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 99 | $80K |
| Life insurance(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $492K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $26K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $407K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.