| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 Filed as: TIM J HEFFERNAN | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 6.72% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: TIMOTHY J HEFFERNAN | 2053 NORTH DELBERT ROAD FRANKTOWN, CO 80116 | GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.74% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $763 | — | $763 | 0.71% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: MICHAEL M HEFFERNAN | 10841 SOUTH CROSSROADS DRIVE # 205 PARKER, CO 80134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.48% |
| 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 | — | $2K | $2K | 5.00% |
| FOREVER EMPLOYER LTD3 | 375 EAST HORSETOOTH ROAD FORT COLLINS, CO 80525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $120 | $2K | 14.84% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: TIMOTHY HEFFERNAN | 10841 SOUTH CROSSROADS DRIVE PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $781 | — | $781 | 5.48% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| EVAN D BURDEN3 | PO BOX 6903 DENVER, CO 80206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: TIMOTHY J HEFFERNAN | 10841 SOUTH CROSSROADS DRIVE #205 PARKER, CO 80134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $724 | — | $724 | 12.96% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 120 | $107K |
| Vision | GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 120 | $107K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 144 | $112K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $31K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $597K |
| Other(3 contracts, 3 carriers) | GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 144 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.