| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $136K | $30K | $166K | 26.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | VISION SERVICE PLAN | $3K | — | $3K | 2.19% |
| GREGORY G WAY3 Filed as: GREGORY G. WAY | 6000 EAST EVANS AVENUE DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 12.72% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE SUITE 700 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 9.63% |
| MJ INSURANCE3 Filed as: VAN GILDER INS. AND VARIOUS AGENTS | PO BOX 46510 DENVER, CO 80201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.34% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.31% |
| KEN MAJOR3 | 6525 GUNPARK DRIVE SUITE 370-22 BOULDER, CO 80301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.42% |
| MATHEW A. SMITH3 | 218 HERMITAGE BOULEVARD OAKRIDGE, TN 37830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $694 | — | $694 | 0.93% |
| KEIFER GROUP INSURANCE AGCY LLC3 Filed as: KEIFER GROUP INSURANCE AGENCY LLC | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $478 | — | $478 | 0.64% |
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 | 4,246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 284 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,779 | $152K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,246 | $620K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,246 | $620K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,246 | $620K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,246 | $694K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,246 | — |
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.