| 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 | $48K | $2K | $49K | 3.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $699 | $11K | 11.44% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $4K | $0 | $4K | 5.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKON COMPANIES, LLC | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80337 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 21.08% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 12.13% |
| SARA SORENSEN-CONNICK3 Filed as: SARA SORENSEN-CONICK | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 8.72% |
| SHARLA LEARY3 Filed as: SHARLA LEARY AND OTHER AGENTS | 18284 TENNYSON LANE PARKER, CO 80134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $679 | $3K | 7.04% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $650 | $2K | 5.37% |
| TERESA MARY ROBERSON3 Filed as: TERESA MARY ROBERTSON | 711 CASTLE ROAD COLORADO SPINGS, CO 80904 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $30 | $2K | 4.39% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $410 | $1K | 3.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE | $2K | $0 | $2K | 9.61% |
| LOCKTON COMPANIES, LLC4 | PO BOX 419444 KANSAS CITY, MO 64141 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $923 | $0 | $923 | 18.76% |
| CHRISTOPHER M. WARD4 | 1345 MADISON STREET APARTMENT 6 DENVER, CO 80206 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $450 | $0 | $450 | 9.14% |
| LOCKTON COMPANIES, LLC4 | 8110 EAST UNION AVENUE DENVER, CO 80237 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $302 | $0 | $302 | 6.14% |
| CONNIE SHADLEY4 | 14139 WEST CORNELL AVENUE LAKEWOOD, CO 80228 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $68 | $0 | $68 | 1.38% |
| CHAD WARD4 | 596 TANAGER STREET BRIGHTON, CO 80601 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $14 | $0 | $14 | 0.28% |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 387 | $1.6M |
| Dental | DELTA DENTAL OF COLORADO | 247 | $74K |
| Vision | EYEMED VISION CARE | 277 | $25K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $141K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $141K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $99K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 387 | $1.6M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.