| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 6465 GREENWOOD PLAZA BOULEVARD SUITE 500 GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 10.11% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 9.27% |
| SELECTIVE OPTIONS INC3 | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $592 | $3K | 5.10% |
| MELISSA SALOMONSON3 | 5129 MOUNT ARAPAHO CIRCLE FREDERICK, CO 80504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.66% |
| MJ INSURANCE3 Filed as: EDWARD CORBETT AND VARIOUS AGENTS | 6185 SOUTH PARIS STREET GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $466 | $68 | $534 | 0.83% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $322 | $69 | $391 | 0.61% |
| TAMARA ANNE HINES3 | 2955 LAKESIDE RENO, NV 89509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $27 | $195 | 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 | 561 | 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) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 880 | $968K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 880 | $968K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 561 | $244K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 561 | $244K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 561 | $244K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 561 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.