| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | DELTA DENTAL OF COLORADO | $6K | — | $6K | 1.97% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOULTIONS, INC. | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $536 | $147 | $683 | 4.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1100 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $442 | — | $442 | 2.91% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $238 | $41 | $279 | 1.83% |
| LINDA W OLGUIN3 Filed as: LINDA W. OLGUIN | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $175 | $17 | $192 | 1.26% |
| OPTIC, LLC3 | 8547 EAST ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.18% |
| SHERRY M ALLBRITTON3 Filed as: SHERRY M. ALLBRITTON | 3809 WINDING ROAD ARLINGTON, TX 76016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 3.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1100 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 2.20% |
| LINDA W OLGUIN3 Filed as: LINDA W. OLGUIN | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.04% |
| SHERRY M ALLBRITTON3 Filed as: SHERRY M. ALLBRITTON | 3809 WINDING ROAD ARLINGTON, TX 76016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.52% |
| OPTIO LLC3 Filed as: OPTIO, LLC | 8547 EAST ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.13% |
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 | 644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 1,050 | $298K |
| Vision | VISION SERVICE PLAN | 453 | $62K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 644 | $286K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 644 | $286K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 644 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.