| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $127K | $0 | $127K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $129 | $11K | 2.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $89 | $89 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 6.80% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 2.91% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 10.29% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | UNKNOWN BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $495 | $3K | 4.28% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $275 | $2K | 3.93% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS, INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $468 | $22 | $490 | 0.82% |
| FOREVER EMPLOYER LTD3 Filed as: FOREVER EMPLOYER LTD. | 375 EAST HORSETOOTH ROAD FORT COLLINS, CO 80525 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.07% |
| CHRISTIAN KYLE STOUT3 | 26332 EAST ARCHER AVENUE AURORA, CO 80018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $28 | $42 | 0.07% |
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 | 3,580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,281 | $6.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 729 | $388K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,281 | $6.3M |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 46 | $60K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 591 | $224K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 591 | $164K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 736 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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.