| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $15K | $22K | 0.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 9.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $673 | $673 | 0.42% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $442 | $13 | $455 | 5.33% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $67 | $229 | 2.68% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $23 | $142 | 1.66% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $10 | $76 | 0.89% |
| EDWARD JOSEPH CORBETT3 | 6185 SOUTH PARIS STREET GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $30 | $64 | 0.75% |
| ROBERT N STRINGER3 Filed as: ROBERT N. STRINGER | 109 EASTSIDE DRIVE BRANDON, MS 39047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.39% |
| MJ INSURANCE3 Filed as: ANDREW WOOD AND VARIOUS AGENTS | 210 ROXBORO COURT FAYETTEVILLE, GA 30215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.23% |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,096 | $4.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,096 | $4.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,096 | $4.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 492 | $161K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 492 | $161K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 492 | $161K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,096 | $4.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 492 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,096 | — |
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.