| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 217 ENGLEWOOD, CO 80112 | AETNA LIFE INSURANCE - HEALTH | $30K | — | $30K | 4.00% |
| 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% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE - ADD LIFE | $1K | — | $1K | 11.88% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LTO | $96 | — | $96 | 1.86% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - LTO | $87 | — | $87 | 1.69% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - LTO | $27 | — | $27 | 0.52% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LTO | $18 | — | $18 | 0.35% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LTO | $13 | — | $13 | 0.25% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - WHA | $46 | — | $46 | 0.91% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHA | $43 | — | $43 | 0.85% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHA | $35 | — | $35 | 0.69% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - WHA | $34 | — | $34 | 0.67% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - WHA | $33 | — | $33 | 0.66% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHA | $15 | — | $15 | 0.30% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - WHA | $14 | — | $14 | 0.28% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHA | — | — | $0 | 0.00% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LOB | $62 | — | $62 | 1.45% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - LOB | $56 | — | $56 | 1.31% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LOB | $29 | — | $29 | 0.68% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - LOB | $8 | — | $8 | 0.19% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE - LOB | $5 | — | $5 | 0.12% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - LOB | $5 | — | $5 | 0.12% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LOB | $3 | — | $3 | 0.07% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LOB | — | — | $0 | 0.00% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - SMO | $109 | — | $109 | 3.14% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - SMO | $87 | — | $87 | 2.50% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - SMO | $80 | — | $80 | 2.30% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - SMO | $51 | — | $51 | 1.47% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SMO | $40 | — | $40 | 1.15% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SMO | $38 | — | $38 | 1.09% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SMO | $23 | — | $23 | 0.66% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SMO | — | — | $0 | 0.00% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SLG | $32 | — | $32 | 1.15% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - SLG | $29 | — | $29 | 1.05% |
| VOLUNTARY SOLUTIONS INC | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - SLG | $21 | — | $21 | 0.76% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SLG | $15 | — | $15 | 0.54% |
| CHERRY CREEK BENEFITS3 | 9781 S MERDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - SLG | $15 | — | $15 | 0.54% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SLG | $7 | — | $7 | 0.25% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - RBG | $76 | — | $76 | 2.76% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - RBG | $51 | — | $51 | 1.85% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - RBG | $15 | — | $15 | 0.54% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - RBG | $7 | — | $7 | 0.25% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - RBG | $5 | — | $5 | 0.18% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - RBG | $2 | — | $2 | 0.07% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - WHC | $96 | — | $96 | 3.92% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE - WHC | $81 | — | $81 | 3.31% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - WHC | $43 | — | $43 | 1.76% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHC | $27 | — | $27 | 1.10% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHC | $13 | — | $13 | 0.53% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - WHC | $12 | — | $12 | 0.49% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHC | $6 | — | $6 | 0.25% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHC | — | — | $0 | 0.00% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - HJO | $12 | — | $12 | 2.02% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - HJO | $10 | — | $10 | 1.68% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - HJO | $5 | — | $5 | 0.84% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE - HEALTH | 95 | $756K |
| Dental | HUMANA - DENTAL | 62 | $57K |
| Vision | VISION SERVICE PLAN | 58 | $14K |
| Life insurance(9 contracts, 9 carriers) | UNUM LIFE INSURANCE - ADD LIFE | 34 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.