| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $65K | $65K | 3.48% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $11K | $0 | $11K | 8.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.03% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80337 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $236 | $5K | 11.53% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 5.23% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS, INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $380 | $2K | 3.48% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $981 | $380 | $1K | 3.03% |
| SARA SORENSEN-CONNICK3 | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 2.99% |
| MJ INSURANCE3 Filed as: TERESA ROBERSON AND VARIOUS AGENTS | 711 CASTLE ROAD COLORADO SPRINGS, CO 80904 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $356 | $29 | $385 | 0.86% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | $54 | $184 | 0.41% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 12.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 17.63% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $906 | $0 | $906 | 17.19% |
| CHRISTOPHER M. WARD4 | 1355 SOUTH LINCOLN STREET DENVER, CO 80210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $378 | $0 | $378 | 7.17% |
| LOCKTON COMPANIES, LLC4 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $298 | $0 | $298 | 5.65% |
| CONNIE SHADLEY4 | 14139 WEST CORNELL AVENUE LAKEWOOD, CO 80228 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $53 | $0 | $53 | 1.01% |
| MYLO LLC4 | PO BOX 419444 KANSAS CITY, MO 64141 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $17 | $0 | $17 | 0.32% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $1.9M |
| Dental | DELTA DENTAL OF COLORADO | 376 | $140K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 341 | $24K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $151K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $151K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $106K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $1.9M |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 335 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.