| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $40K | $40K | 1.70% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $31K | $31K | 1.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $532 | $12K | 10.46% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $117 | $6K | 11.82% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.89% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS, INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $605 | $2K | 4.55% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $800 | $259 | $1K | 1.94% |
| SARA SORENSEN-CONNICK3 | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $411 | $0 | $411 | 0.75% |
| CATHERINE MICHELLE DOBRATZ3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 0.28% |
| MJ INSURANCE3 Filed as: TIMOTHY J. REED AND VARIOUS AGENTS | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 18.86% |
| THOMAS OWENS3 | PO BOX 781431 WICHITA, KS 37278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $857 | $0 | $857 | 16.00% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $294 | $0 | $294 | 5.49% |
| CHRISTOPHER M. WARD4 | 6833 SOUTH IVY WAY, SUITE 103 ENGLEWOOD, CO 80112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $188 | $0 | $188 | 3.51% |
| BLUMCIA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD STREET, SUITE 271 WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $103 | $0 | $103 | 1.92% |
| CONNIE SHADLEY4 | 14139 WEST CORNELL AVENUE LAKEWOOD, CO 80228 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $51 | $0 | $51 | 0.95% |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 326 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 326 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 326 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $169K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $169K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $114K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 326 | $2.3M |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.