| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $70K | $5K | $76K | 3.01% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $12K | — | $12K | 6.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $90 | $2K | 3.13% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $546 | $2K | 2.92% |
| GINA M WESOLEK3 Filed as: GINA M. WESOLEK | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $114 | $1K | 2.19% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $865 | $332 | $1K | 1.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL AND OTHER AGENT | 1125 17TH STREET DENVER, CO 80202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $458 | — | $458 | 0.73% |
| KRISTEN ELISE RANDALL3 | 22 SOUTH GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $417 | — | $417 | 0.66% |
| LINDA W OLGUIN3 Filed as: LINDA W. OLGUIN | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $253 | $98 | $351 | 0.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE | $2K | — | $2K | 8.35% |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 269 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 457 | $2.5M |
| Dental | DELTA DENTAL OF COLORADO | 379 | $175K |
| Vision | EYEMED VISION CARE | 267 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 477 | $78K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 477 | $78K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 477 | $78K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 457 | $2.5M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.