| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 217 ENGLEWOOD, CO 80112 | AETNA LIFE INSURANCE - HEALTH | $29K | — | $29K | 3.97% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | HUMANA - DENTAL | $6K | — | $6K | 9.84% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE - ADD LIFE | $1K | — | $1K | 9.24% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - WHA | $156 | $78 | $234 | 2.73% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - WHA | $188 | $5 | $193 | 2.25% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - WHA | $179 | — | $179 | 2.09% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHA | $71 | — | $71 | 0.83% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - WHA | $70 | — | $70 | 0.82% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHA | $43 | $6 | $49 | 0.57% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHA | $49 | — | $49 | 0.57% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHA | $27 | $4 | $31 | 0.36% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - LOB | $103 | — | $103 | 1.75% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LOB | $94 | — | $94 | 1.59% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LOB | $66 | — | $66 | 1.12% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - LOB | $16 | — | $16 | 0.27% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE - LOB | $12 | — | $12 | 0.20% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - LOB | $7 | — | $7 | 0.12% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LOB | $3 | — | $3 | 0.05% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LOB | $3 | — | $3 | 0.05% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LTO | $122 | — | $122 | 2.19% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - LTO | $111 | — | $111 | 2.00% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - LTO | $34 | — | $34 | 0.61% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LTO | $23 | — | $23 | 0.41% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LTO | $9 | — | $9 | 0.16% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LTO | $8 | — | $8 | 0.14% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - SMO | $80 | — | $80 | 1.70% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - SMO | $52 | $18 | $70 | 1.48% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SMO | $60 | — | $60 | 1.27% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SMO | $59 | — | $59 | 1.25% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - SMO | $32 | — | $32 | 0.68% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - SMO | $29 | $1 | $30 | 0.64% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SMO | $9 | $3 | $12 | 0.25% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SMO | $5 | — | $5 | 0.11% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - RBG | $105 | — | $105 | 3.52% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - RBG | $70 | — | $70 | 2.35% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - RBG | $21 | — | $21 | 0.70% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - RBG | $9 | — | $9 | 0.30% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - RBG | $7 | — | $7 | 0.23% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - RBG | $2 | — | $2 | 0.07% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - RBG | $1 | — | $1 | 0.03% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SLG | $40 | — | $40 | 1.38% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - SLG | $36 | — | $36 | 1.24% |
| VOLUNTARY SOLUTIONS INC | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - SLG | $26 | — | $26 | 0.90% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SLG | $19 | — | $19 | 0.66% |
| CHERRY CREEK BENEFITS3 | 9781 S MERDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - SLG | $19 | — | $19 | 0.66% |
| LINDA W OLGUIN | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SLG | $5 | — | $5 | 0.17% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SLG | $3 | — | $3 | 0.10% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - WHC | $64 | — | $64 | 2.39% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - WHC | $38 | — | $38 | 1.42% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE - WHC | $30 | — | $30 | 1.12% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - WHC | $29 | — | $29 | 1.08% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHC | $19 | — | $19 | 0.71% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHC | $12 | — | $12 | 0.45% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHC | $10 | — | $10 | 0.37% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHC | $10 | — | $10 | 0.37% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - HJO | $16 | — | $16 | 2.49% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - HJO | $13 | — | $13 | 2.02% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - HJO | $3 | — | $3 | 0.47% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - HJO | $3 | — | $3 | 0.47% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE - HEALTH | 113 | $726K |
| Dental | HUMANA - DENTAL | 77 | $63K |
| Vision | VISION SERVICE PLAN | 69 | $14K |
| Life insurance(9 contracts, 9 carriers) | UNUM LIFE INSURANCE - ADD LIFE | 34 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.