| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $80K | $0 | $80K | 1.89% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 0.43% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | UNION SECURITY INSURANCE COMPANY | $19K | $0 | $19K | 3.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173852 DENVER, CO 80217 | UNION SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 1.16% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | $0 | $41K | 10.57% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 3.46% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $5K | $0 | $5K | 7.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.58% |
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 | 624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,102 | $4.2M |
| Dental | UNION SECURITY INSURANCE COMPANY | 520 | $483K |
| Vision | VISION SERVICE PLAN | 469 | $66K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 619 | $384K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 619 | $384K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 619 | $384K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,102 | $4.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 619 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,102 | — |
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.