| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | AETNA HEALTH INC. | $247K | — | $247K | 3.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | AETNA HEALTH INC. | $7K | — | $7K | 0.11% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $43 | $20K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 4851 LBJ FREEWAY, SUITE 1100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $6K | $13K | 2.54% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.47% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.04% |
| JACK E MARLEY3 Filed as: JACK MARLEY | PO BOX 70183 ORO VALLEY, AZ 85737 | HARTFORD LIFE AND ACCIDENT | -$4 | — | -$4 | -0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | HARTFORD LIFE AND ACCIDENT | — | -$46 | -$46 | -0.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | UNKNOWN DENVER, CO 80206 | AETNA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.53% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | AETNA LIFE INSURANCE COMPANY | $58 | — | $58 | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COPANIES, LLC | PO BOX 173850 DENVER, CO 80217 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 1,045 | $6.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,730 | $498K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 72 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 457 | $168K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 457 | $168K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH INC. | 1,045 | $6.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 457 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,730 | — |
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.