| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 7.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $9K | $5K | $14K | 18.98% |
| MICHAEL G. HICKS3 Filed as: MICHAEL L. CAMERIO | PO BOX 241845 MONTGOMERY, AL 36124 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $8K | $14K | 25.66% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80337 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $531 | $75 | $606 | 11.91% |
| CHAUNDRA F MILES-WALKER3 Filed as: CHAUNDRA F. MILES-WALKER | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $352 | $16 | $368 | 7.23% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $319 | — | $319 | 6.27% |
| TRIOLOGY BENEFITS CONSULTING LLC3 Filed as: TRIOLOGY BENEFITS AND OTHER AGENTS | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | $8 | $146 | 2.87% |
| SARA SORENSEN-CONNICK3 Filed as: SARA SORENESEN-CONNICK | 8547 EAST ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $54 | $92 | 1.81% |
| DAWN CORNELIUSSEN3 | 4038 GRIFFINVIEW DRIVE LADY LAKE, FL 32159 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $1 | $91 | 1.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7350 CAMPUS DRIVE COLORADO SPRINGS, CO 80920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.53% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $53K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $53K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 506 | $278K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 506 | $278K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 506 | $278K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 506 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.