| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $33K | $33K | 3.07% |
| MJ INSURANCE3 Filed as: WAYNE UZARSKI AND VARIOUS AGENTS | 3046 ESTATE DRIVE OAKDALE, PA 15071 | AFLAC | $62K | $5K | $67K | 8.60% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | AFLAC | $39K | — | $39K | 5.03% |
| JOSEPH CHARLES MARCOTTE3 | 4312 BROOKSTONE COURT LOVELAND, CO 80538 | AFLAC | $17K | $3K | $20K | 2.61% |
| STACY PATRICK3 Filed as: STACY M. PATRICK | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | AFLAC | $17K | $2K | $20K | 2.51% |
| DANNIE JOHNSON3 Filed as: DANNIE C. JOHNSON | PO BOX 336243 GREELEY, CO 80633 | AFLAC | $16K | $83 | $16K | 2.11% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 426 ROSSUM DRIVE LOVELAND, CO 80537 | AFLAC | $12K | $821 | $13K | 1.63% |
| PENELOPE R. SOISETH3 | 5296 142ND DRIVE NW WILLISTON, ND 58801 | AFLAC | $8K | $1K | $9K | 1.13% |
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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 738 | $1.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 738 | $1.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 738 | $1.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 738 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 738 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.