| 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 | $60K | $5K | $64K | 3.53% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $14K | — | $14K | 8.37% |
| LOCKTON COMPANIES, LLC3 | 7300 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCA | $13K | — | $13K | 16.44% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $388 | $388 | 0.55% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE | $2K | — | $2K | 12.47% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $199 | $141 | $340 | 3.33% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $280 | $18 | $298 | 2.92% |
| GINA M WESOLEK3 Filed as: GINA M. WESOLEK | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $180 | $7 | $187 | 1.83% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | $47 | $177 | 1.73% |
| MJ INSURANCE3 Filed as: ROGER CASTER AND VARIOUS AGENTS | 826 SOUTH GRANBY CIRCLE AURORA, CO 80012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.74% |
| KRISTEN ELISE RANDALL3 | 22 SOUTH GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.59% |
| LINDA W OLGUIN3 Filed as: LINDA W. OLGUIN | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $18 | $57 | 0.56% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $380 | — | $380 | 11.44% |
| DIANE M. WARD4 | 4500 SOUTH MONACO STREET, SUITE 226 DENVER, CO 80237 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $180 | — | $180 | 5.42% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCTON COMPANIES, LLC | PO BOX 419444 KANSAS CITY, MO 64141 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $136 | — | $136 | 4.10% |
| CONNIE SHADLEY4 | 14139 WEST CORNELL AVENUE LAKEWOOD, CO 80228 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $72 | — | $72 | 2.17% |
| CHAD WARD4 | 596 TANAGER STREET BRIGHTON, CO 80601 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $33 | — | $33 | 0.99% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 402 | $1.8M |
| Dental | DELTA DENTAL OF COLORADO | 340 | $162K |
| Vision | EYEMED VISION CARE | 268 | $13K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCA | 414 | $152K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCA | 414 | $152K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $70K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 402 | $1.8M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 667 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.