| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 5.71% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 1.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $537 | $6 | $543 | 6.56% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $178 | $39 | $217 | 2.62% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $143 | $24 | $167 | 2.02% |
| SELECTIVE OPTIONS INC3 | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $9 | $86 | 1.04% |
| EDWARD JOSEPH CORBETT3 | 6185 SOUTH PARIS STREET GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $23 | $50 | 0.60% |
| ROBERT N STRINGER3 | 109 EASTSIDE DRIVE BRANDON, MS 39047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.47% |
| MJ INSURANCE3 Filed as: ANDREW G WOOD AND VARIOUS AGENTS | 210 ROXBORO COURT FAYETTEVILLE, GA 30215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.29% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 778 | $4.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 778 | $4.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 778 | $4.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 525 | $229K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 525 | $229K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 525 | $229K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 778 | $4.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 525 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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.