| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 217 ENGLEWOOD, CO 80112 | AETNA LIFE INSURANCE - HEALTH | $13K | — | $13K | 1.96% |
| CHERRY CREEK BENEFITS3 | GREENWOOD PLAZA BLVD 400 GREENWOOD VILLAGE, CO 80111 | AETNA LIFE INSURANCE - HEALTH | $13K | — | $13K | 1.96% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | HUMANA - DENTAL | $6K | — | $6K | 9.97% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE - WHA | $739 | $923 | $2K | 15.30% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - WHA | $1K | $94 | $2K | 14.19% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - WHA | $976 | — | $976 | 8.99% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHA | $282 | $144 | $426 | 3.92% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHA | $75 | — | $75 | 0.69% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - WHA | $71 | — | $71 | 0.65% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHA | $47 | — | $47 | 0.43% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE - ADD LIFE | $1K | $81 | $1K | 11.75% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - SMO | $92 | — | $92 | 1.60% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SMO | $75 | — | $75 | 1.31% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE - SMO | $56 | $19 | $75 | 1.31% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SMO | $69 | — | $69 | 1.20% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - SMO | $28 | — | $28 | 0.49% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - SMO | $25 | $1 | $26 | 0.45% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SMO | $15 | $2 | $17 | 0.30% |
| OPTIO LLC3 | 8547 E ARAPAHOE RD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE - SMO | $2 | — | $2 | 0.03% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE - LOB | $111 | $130 | $241 | 4.33% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE - LOB | $77 | $27 | $104 | 1.87% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - LOB | $95 | — | $95 | 1.71% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LOB | $87 | — | $87 | 1.56% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - LOB | $83 | — | $83 | 1.49% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LOB | $61 | — | $61 | 1.10% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LOB | $22 | $10 | $32 | 0.58% |
| OPTIO LLC3 | 8547 E ARAPAHOE RD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE - LOB | $9 | — | $9 | 0.16% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LTO | $114 | — | $114 | 2.21% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - LTO | $103 | — | $103 | 2.00% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE - LTO | $32 | — | $32 | 0.62% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - LTO | $27 | — | $27 | 0.52% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LTO | $21 | — | $21 | 0.41% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LTO | $16 | — | $16 | 0.31% |
| OPTIO LLC3 | 8547 E ARAPAHOE RD GREENWOOD VILLAGE, NC 80112 | COLONIAL LIFE - LTO | $6 | — | $6 | 0.12% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE - WHC | $181 | $191 | $372 | 12.85% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE - WHC | $166 | $59 | $225 | 7.77% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - WHC | $111 | — | $111 | 3.83% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHC | $53 | $21 | $74 | 2.56% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - WHC | $38 | — | $38 | 1.31% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHC | $17 | — | $17 | 0.59% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHC | $13 | — | $13 | 0.45% |
| OPTIO LLC3 | 8547 E ARAPAHOE RD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE - WHC | $4 | — | $4 | 0.14% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SLG | $37 | — | $37 | 1.34% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - SLG | $34 | — | $34 | 1.23% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE - SLG | $25 | — | $25 | 0.90% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SLG | $18 | — | $18 | 0.65% |
| CHERRY CREEK BENEFITS3 | 9781 S MERDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - SLG | $18 | — | $18 | 0.65% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - SLG | $15 | — | $15 | 0.54% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SLG | $9 | — | $9 | 0.33% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - RBG | $94 | — | $94 | 3.41% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - RBG | $63 | — | $63 | 2.29% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - RBG | $19 | — | $19 | 0.69% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE - RBG | $8 | — | $8 | 0.29% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - RBG | $6 | — | $6 | 0.22% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - RBG | $2 | — | $2 | 0.07% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE - HJO | $15 | — | $15 | 2.53% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - HJO | $12 | — | $12 | 2.02% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - HJO | $8 | — | $8 | 1.35% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - HJO | $6 | — | $6 | 1.01% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE - HEALTH | 115 | $688K |
| Dental | HUMANA - DENTAL | 72 | $57K |
| Vision | VISION SERVICE PLAN | 66 | $14K |
| Life insurance(9 contracts, 9 carriers) | COLONIAL LIFE - WHA | 113 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.