| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL., SUITE 900 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $204K | $0 | $204K | 16.59% |
| ASSURED EQUITY MANAGEMENT CORP3 Filed as: ASSURED EQUITY MANAGEMENT | 1800 GLENARM PLACE, SUITE 900 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $61K | $0 | $61K | 11.05% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL., STE 900 DENVER, CO 802023851 | VISION SERVICE PLAN | $12K | $0 | $12K | 9.97% |
| MELISSA A KOLL3 | 216 CLIMAX DR DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $5K | $28K | 34.02% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL., SUITE 900 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 11.04% |
| EVAN D BURDEN3 | PO BOX 6903 DENVER, CO 80206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 9.50% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 5.48% |
| MARY CATHERINE WILLIAMS3 | 2950 S JAMAICA CT, STE 302 AURORA, CO 80014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $3 | $145 | 0.18% |
| TAMARA ANNE HINES3 | 2955 LAKESIDE RENO, NV 89509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $15 | $101 | 0.12% |
| EDWARD JOSEPH CORBETT3 | 6185 S PARIS STREET GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATION | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $925K |
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 | 1,049 | 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) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 881 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 881 | $1.2M |
| Vision | VISION SERVICE PLAN | 749 | $123K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,049 | $552K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,049 | $552K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,049 | $552K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,049 | $633K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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.