| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | AETNA LIFE INS CO-HEALTH | $30K | $0 | $30K | 4.04% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | HUMANA-DENTAL | $7K | $0 | $7K | 10.45% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLZ BLVD GREENWOOD VILLAGE, CO 80111 | UNUM LIFE INS-LIFE/ADD | $1K | $0 | $1K | 9.78% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE ST BRIGHTON, CO 80601 | COLONIAL LIFE-OBC | $280 | $126 | $406 | 5.07% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE-OBC | $174 | $0 | $174 | 2.17% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE-OBC | $130 | $0 | $130 | 1.62% |
| STEPHANIE A LEVINS3 | 1207 CHALK MAPLE DR CARY, NC 27519 | COLONIAL LIFE-OBC | $115 | $0 | $115 | 1.44% |
| ROBERT DALE ESTES3 | 564 SAGE CR HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE-OBC | $102 | $5 | $107 | 1.34% |
| LINDA W OLGUIN3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE-OBC | $69 | $14 | $83 | 1.04% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-OBC | $73 | $0 | $73 | 0.91% |
| OPTIO LLC3 | 731 ELDORADO BLVD #1636 BROOMFIELD, CO 80021 | COLONIAL LIFE-OBC | $15 | $0 | $15 | 0.19% |
| STEPHANIE A EGAN3 | 4100 VRAIN ST DENVER, CO 90323 | COLONIAL LIFE-OBC | $3 | $0 | $3 | 0.04% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE ST BRIGHTON, CO 80601 | COLONIAL LIFE-SMO | $155 | $96 | $251 | 3.89% |
| ROBERT DALE ESTES3 | 564 SAGE CR HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE-SMO | $113 | $5 | $118 | 1.83% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE-SMO | $116 | $0 | $116 | 1.80% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE-SMO | $92 | $0 | $92 | 1.43% |
| STEPHANIE A LEVINS3 | 1207 CHALK MAPLE DR CARY, NC 27519 | COLONIAL LIFE-SMO | $89 | $0 | $89 | 1.38% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-SMO | $80 | $0 | $80 | 1.24% |
| LINDA W OLGUIN3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE-SMO | $46 | $15 | $61 | 0.95% |
| LORI SUE KROUT3 | 10594 PEARLWOOD CR HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE-SMO | $12 | $0 | $12 | 0.19% |
| RPM BENEFIT ADVISORS LLC3 | 2609 ANEMONIE DR LOVELAND, CO 80537 | COLONIAL LIFE-SMO | $8 | $0 | $8 | 0.12% |
| OPTIO LLC3 | 731 ELDORADO BLVD #1636 BROOMFIELD, CO 80021 | COLONIAL LIFE-SMO | $4 | $0 | $4 | 0.06% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE ST BRIGHTON, CO 80601 | COLONIAL LIFE-WHA | $139 | $98 | $237 | 3.86% |
| ROBERT DALE ESTES3 | 564 SAGE CR HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE-WHA | $226 | $11 | $237 | 3.86% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE-WHA | $157 | $0 | $157 | 2.56% |
| STEPHANIE A LEVINS3 | 1207 CHALK MAPLE DR CARY, NC 27519 | COLONIAL LIFE-WHA | $148 | $0 | $148 | 2.41% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE-WHA | $127 | $0 | $127 | 2.07% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-WHA | $74 | $0 | $74 | 1.21% |
| LINDA W OLGUIN3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE-WHA | $50 | $20 | $70 | 1.14% |
| LORI SUE KROUT3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE-WHA | $3 | $0 | $3 | 0.05% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-LTO | $122 | $0 | $122 | 2.56% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE-LTO | $111 | $0 | $111 | 2.33% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE ST BRIGHTON, CO 80601 | COLONIAL LIFE-LTO | $34 | $0 | $34 | 0.71% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-LTO | $23 | $0 | $23 | 0.48% |
| LINDA W OLGUIN3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE-LTO | $17 | $0 | $17 | 0.36% |
| OPTIO LLC3 | 8547 E ARAPAHOE RD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE-LTO | $7 | $0 | $7 | 0.15% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE-LOB | $115 | $0 | $115 | 2.45% |
| STEPHANIE A LEVINS3 | 1207 CHALK MAPLE DR CARY, NC 27519 | COLONIAL LIFE-LOB | $105 | $0 | $105 | 2.24% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-LOB | $68 | $0 | $68 | 1.45% |
| OPTIO LLC3 | 731 ELDORADO BLVD #1636 BROOMFIELD, CO 80021 | COLONIAL LIFE-LOB | $12 | $0 | $12 | 0.26% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE ST BRIGHTON, CO 80601 | COLONIAL LIFE-LOB | $11 | $0 | $11 | 0.23% |
| RPM BENEFIT ADVISORS LLC3 | 2609 ANEMONIE DR LOVELAND, CO 80537 | COLONIAL LIFE-LOB | $9 | $0 | $9 | 0.19% |
| LINDA W OLGUIN3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE-LOB | $5 | $0 | $5 | 0.11% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE ST BRIGHTON, CO 80601 | COLONIAL LIFE-SLG | $95 | $59 | $154 | 5.65% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE-SLG | $73 | $0 | $73 | 2.68% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-SLG | $40 | $0 | $40 | 1.47% |
| ROBERT DALE ESTES3 | 564 SAGE CR HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE-SLG | $37 | $2 | $39 | 1.43% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE-SLG | $36 | $0 | $36 | 1.32% |
| LINDA W OLGUIN3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE-SLG | $22 | $7 | $29 | 1.06% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE-SLG | $18 | $7 | $25 | 0.92% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-SLG | $19 | $0 | $19 | 0.70% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-RBG | $101 | $0 | $101 | 4.00% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE-RBG | $67 | $0 | $67 | 2.65% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-RBG | $20 | $0 | $20 | 0.79% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE ST BRIGHTON, CO 80601 | COLONIAL LIFE-RBG | $14 | $6 | $20 | 0.79% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE-RBG | $12 | $0 | $12 | 0.48% |
| LORI SUE KROUT3 | 10594 PEARLWOOD CR HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE-RBG | $7 | $0 | $7 | 0.28% |
| LINDA W OLGUIN3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE-RBG | $4 | $1 | $5 | 0.20% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE ST BRIGHTON, CO 80601 | COLONIAL LIFE-WHC | $83 | $46 | $129 | 7.01% |
| RPM BENEFIT ADVISORS LLC3 | 2609 ANEMONIE DR LOVELAND, CO 80537 | COLONIAL LIFE-WHC | $63 | $22 | $85 | 4.62% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE-WHC | $43 | $0 | $43 | 2.34% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE-WHC | $41 | $0 | $41 | 2.23% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE-WHC | $27 | $7 | $34 | 1.85% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-WHC | $18 | $0 | $18 | 0.98% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TR WAKE FOREST, NC 27587 | COLONIAL LIFE-WHC | $15 | $0 | $15 | 0.81% |
| LORI SUE KROUT3 | 10594 PEARLWOOD CR HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE-WHC | $6 | $0 | $6 | 0.33% |
| OPTIO LLC3 | 731 ELDORADO BLVD #1636 BROOMFIELD, CO 80021 | COLONIAL LIFE-WHC | $5 | $0 | $5 | 0.27% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE ST BRIGHTON, CO 80601 | COLONIAL LIFE-HWC | $18 | $9 | $27 | 9.09% |
| ROBERT DALE ESTES3 | 564 SAGE CR HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE-HWC | $12 | $1 | $13 | 4.38% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE-HWC | $13 | $0 | $13 | 4.38% |
| LINDA W OLGUIN3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE-HWC | $6 | $2 | $8 | 2.69% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INS CO-HEALTH | 103 | $739K |
| Dental | HUMANA-DENTAL | 73 | $63K |
| Vision | VISION SERVICE PLAN | 74 | $17K |
| Life insurance(10 contracts, 10 carriers) | UNUM LIFE INS-LIFE/ADD | 107 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.