| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | ARMADACARE | $1K | $0 | $1K | 0.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.24% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.99% |
| AMY W. HECKLINGER3 | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | MANHATTAN LIFE | $388 | $0 | $388 | 5.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 2000 SOUTH COLORADO BOULEVARD SUITE 900 DENVER, CO 80222 | MANHATTAN LIFE | $224 | $0 | $224 | 3.30% |
| KATHY S. JENNINGS3 | PO BOX 46510 DENVER, CO 80201 | MANHATTAN LIFE | $73 | $0 | $73 | 1.07% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | MANHATTAN LIFE | $22 | $0 | $22 | 0.32% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 382 | $166K |
| Dental | ARMADACARE | 382 | $166K |
| Vision | VISION SERVICE PLAN | 137 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 348 | $128K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 348 | $128K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 348 | $128K |
| Prescription drug | ARMADACARE | 382 | $166K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 348 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.