| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.16% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 9.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 6.34% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE & ACCIDENT INSURANCE | $358 | $7 | $365 | 4.59% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE | $234 | $129 | $363 | 4.56% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE | $182 | $43 | $225 | 2.83% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE | $37 | $7 | $44 | 0.55% |
| LINDA W OLGUIN3 Filed as: LINDA W. OLGUIN | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE | $39 | $4 | $43 | 0.54% |
| ROBERT N STRINGER3 Filed as: ROBERT N. STRINGER | 109 EASTSIDE DRIVE BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE | $39 | $0 | $39 | 0.49% |
| MJ INSURANCE3 Filed as: ANDREW G. WOOD AND VARIOUS AGENTS | 210 ROXBORO COURT FAYETTEVILLE, GA 30215 | COLONIAL LIFE & ACCIDENT INSURANCE | $24 | $0 | $24 | 0.30% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $3.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $3.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $3.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 400 | $135K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 400 | $135K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 400 | $135K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $3.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 400 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.