| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVE STE 100 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $109K | $5K | $113K | 1.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $70 | $15K | 2.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.99% |
| 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 | $14K | — | $14K | 7.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900A DALLAS, TX 75217 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 1.43% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION STREET DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 11.23% |
| VOLUNTARY SOLUTIONS INC3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.91% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD, SUITE 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $55 | $3K | 3.99% |
| FOREVER EMPLOYER LTD3 | 375 EAST HORSETOOTH RD FORT COLLINS, CO 80525 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.06% |
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 | 849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,203 | $7.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $493K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,203 | $7.9M |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 47 | $66K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 612 | $256K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 612 | $191K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 47 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,203 | — |
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.