| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD 110 ENGLEWOOD, CO 80112 | HUMANA - DENTAL | $31K | $818 | $32K | 7.26% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC-GA | 200 GALLERIA PARKWAY 1950 ATLANTA, GA 303395946 | HUMANA - DENTAL | $10K | $6K | $16K | 3.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE - ADD LIFE | $1K | $244 | $1K | 12.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 10.28% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BOULEVARD DENVER, CO 80230 | COLONIAL LIFE | $40 | — | $40 | 1.05% |
| STEPHANIE A LEVINS3 Filed as: STEPHANIE LEVINS | 1912 TRENT RIVER AVE WAKE FOREST, NC 27587 | COLONIAL LIFE | $33 | — | $33 | 0.87% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE | $33 | — | $33 | 0.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE | $20 | — | $20 | 0.53% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE | $13 | — | $13 | 0.34% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE | $7 | — | $7 | 0.18% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK WEALTH MANAGEMENT | 10303 E DRY CREEK ROAD ENGLEWOOD, CO 80112 | COLONIAL LIFE | $5 | — | $5 | 0.13% |
| SARA SORENSEN-CONNICK3 Filed as: SARA DORENSON-CONNICK | 8547 E ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE | $2 | — | $2 | 0.05% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - SLG | $40 | — | $40 | 1.05% |
| STEPHANIE A LEVINS3 Filed as: STEPHANIE LEVINS | 1912 TRENT RIVER AVE WAKE FOREST, NC 27587 | COLONIAL LIFE - SLG | $33 | — | $33 | 0.87% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS | 509 S 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE - SLG | $33 | — | $33 | 0.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE - SLG | $20 | — | $20 | 0.53% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - SLG | $13 | — | $13 | 0.34% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE - SLG | $7 | — | $7 | 0.18% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK WEALTH MANAGEMENT | 10303 E DRY CREEK RD ENGLEWOOD, CO 80112 | COLONIAL LIFE - SLG | $5 | — | $5 | 0.13% |
| SARA SORENSEN-CONNICK3 Filed as: SARA SORENSON-CONNICK | 8547 E ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE - SLG | $2 | — | $2 | 0.05% |
| STEPHANIE A LEVINS3 | 1912 TRENT RIVER AVE WAKE FOREST, NC 27587 | COLONIAL LIFE - LOB | $35 | — | $35 | 2.19% |
| COPIC INSURANCE AGENCY3 | 7351 LOWRY BLVD DENVER, CO 80230 | COLONIAL LIFE - LOB | $27 | — | $27 | 1.69% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - LOB | $5 | — | $5 | 0.31% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE - LOB | $4 | — | $4 | 0.25% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE - LOB | $4 | — | $4 | 0.25% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - LOB | $2 | — | $2 | 0.13% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE - HJO | $8 | — | $8 | 2.69% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | COLONIAL LIFE - HJO | $7 | — | $7 | 2.36% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE - HJO | $3 | — | $3 | 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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA - DENTAL | 113 | $436K |
| Vision | VISION SERVICE PLAN | 0 | $10K |
| Life insurance(5 contracts, 5 carriers) | UNUM LIFE INSURANCE - ADD LIFE | 180 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.