| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 2.58% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | $0 | $276 | $276 | 0.14% |
| VOLUNTARTY SOLUTIONS INC.3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 9.73% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | THREE PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.16% |
| DESIRAE OLSON-HEIBERGER3 Filed as: DESIRAE HEIBERGER AND OTHER AGENTS | 4480 LOOMIS AVENUE COLORADO SPRINGS, CO 80906 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 8.45% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $407 | $2K | 4.66% |
| TAMARA ANNE HINES3 | 2955 LAKESIDE RENO, NV 89509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $900 | $31 | $931 | 2.27% |
| TERESA MENDENHALL3 | 132 MEADOW STATION ROAD PARKER, CO 80138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $712 | $0 | $712 | 1.73% |
| KEITH HOWARD LEFEVRE3 | 9340 COVE CREEK DRIVE HIGHLANDS RANCH, CO 80129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $601 | $21 | $622 | 1.51% |
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 | 505 | 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) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 693 | $344K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 693 | $344K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 505 | $202K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 505 | $202K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 505 | $202K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 505 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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."
No prospect flags tripped on this filing.