| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC-GA | 200 GALLERIA PARKWAY 1950 ATLANTA, GA 303395946 | HUMANA - DENTAL | $10K | — | $10K | 13.53% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | HUMANA - DENTAL | $485 | — | $485 | 0.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $987 | — | $987 | 6.03% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | $654 | — | $654 | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE - ADD LIFE | $765 | — | $765 | 7.02% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE - ADD LIFE | $449 | — | $449 | 4.12% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LTO | $109 | — | $109 | 2.52% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - LTO | $99 | — | $99 | 2.29% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - LTO | $30 | — | $30 | 0.69% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LTO | $15 | — | $15 | 0.35% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LTO | $3 | — | $3 | 0.07% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LOB | $74 | — | $74 | 1.98% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - LOB | $65 | — | $65 | 1.74% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - LOB | $9 | — | $9 | 0.24% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - LOB | $6 | — | $6 | 0.16% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE - LOB | $6 | — | $6 | 0.16% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - LOB | $3 | — | $3 | 0.08% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LOB | $3 | — | $3 | 0.08% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE - LOB | $3 | — | $3 | 0.08% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - WHA | $34 | — | $34 | 1.13% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - WHA | $29 | — | $29 | 0.96% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHA | $28 | — | $28 | 0.93% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - WHA | $17 | — | $17 | 0.56% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHA | $15 | — | $15 | 0.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE - WHA | $15 | — | $15 | 0.50% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - WHA | $13 | — | $13 | 0.43% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHA | $7 | — | $7 | 0.23% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - WHC | $34 | — | $34 | 1.13% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - WHC | $29 | — | $29 | 0.96% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHC | $28 | — | $28 | 0.93% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - WHC | $17 | — | $17 | 0.56% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - WHC | $15 | — | $15 | 0.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE - WHC | $15 | — | $15 | 0.50% |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE - WHC | $13 | — | $13 | 0.43% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - WHC | $7 | — | $7 | 0.23% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - SLG | $31 | — | $31 | 1.19% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - SLG | $23 | — | $23 | 0.89% |
| STEPHANIE A LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SLG | $16 | — | $16 | 0.62% |
| CHERRY CREEK BENEFITS3 | 9781 S MERDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - SLG | $10 | — | $10 | 0.39% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SLG | $8 | — | $8 | 0.31% |
| JOHN E LEVINS3 | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE - SLG | $6 | — | $6 | 0.23% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE - SLG | $6 | — | $6 | 0.23% |
| STEPHANIE A LEVINS3 Filed as: STEPHANIE LEVINS | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE-CHO | $94 | — | $94 | 3.72% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BOULEVARD DENVER, CO 80230 | COLONIAL LIFE-CHO | $63 | — | $63 | 2.50% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE-CHO | $8 | — | $8 | 0.32% |
| JOHN E LEVINS3 Filed as: JOHN LEVINS | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | COLONIAL LIFE-CHO | $4 | — | $4 | 0.16% |
| CHERRY CREEK BENEFITS3 | 9781 SOUTH MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE-CHO | $4 | — | $4 | 0.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE-CHO | $3 | — | $3 | 0.12% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE-CHO | $2 | — | $2 | 0.08% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - VHC | $17 | $13 | $30 | 5.98% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFITS ADVISORS LLC | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE - VHC | $18 | $7 | $25 | 4.98% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE - VHC | $12 | — | $12 | 2.39% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - VHC | $5 | $2 | $7 | 1.39% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - HJO | $15 | — | $15 | 3.03% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD ENGLEWOOD, CO 80112 | COLONIAL LIFE - HJO | $7 | — | $7 | 1.41% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - HJO | $6 | — | $6 | 1.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE - HJO | $5 | — | $5 | 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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA - DENTAL | 83 | $77K |
| Vision | VISION SERVICE PLAN | 79 | $16K |
| Life insurance(9 contracts, 9 carriers) | UNUM LIFE INSURANCE - ADD LIFE | 132 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.