| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 2000 S COLORADO BLVD STE 900 TOWER II DENVER, CO 802227900 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $665 | $24K | 2.73% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 805011890 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.55% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY BLDG A STE 101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $437 | — | $437 | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $758 | — | $758 | 6.69% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY BLDG A STE 101 LONGMONT, CO 80501 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $375 | — | $375 | 3.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $185 | $185 | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 2000 S COLORADO BLVD STE 900 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $633 | — | $633 | 8.94% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST BLDG A STE 101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $256 | — | $256 | 3.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $215 | $215 | 3.04% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $869K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $88K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $7K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.