| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $22K | $1K | $24K | 10.36% |
| PFS INSURANCE GROUP LLC3 Filed as: PFS INSURANCE GROUP, LLC | 4848 THOMPSON PARKWAY, SUITE 200 JOHNSTOWN, CO 80435 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 11.37% |
| MARCIA G. PREDMORE3 | PO BOX 3383 ESTES PARK, CO 80517 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $433 | — | $433 | 0.55% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $250 | — | $250 | 0.32% |
| MARY R HAUGHT3 Filed as: MARY R. HAUGHT | 2019 NORTH ESTRELLA AVENUE LOVELAND, CO 80538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 0.22% |
| JLG ALLIANCE GROUP INC3 | 2575 PEARL STREET, SUITE 1B BOULDER, CO 80302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 0.12% |
| MJ INSURANCE3 Filed as: THE PRISM GROUP AND VARIOUS AGENTS | 1670-F EAST CHEYENNE MTN BOULEVARD COLORADO SPRINGS, CO 80906 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.05% |
| JASON D. WEAVER3 | 4812 SOUTH COLLEGE AVENUE FORT COLLINS, CO 80525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 12.16% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
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 | 636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 37 | $78K |
| Dental | STANDARD INSURANCE COMPANY | 348 | $227K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 282 | $40K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 636 | $136K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 636 | $58K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 636 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.