| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | $40K | $106K | 8.28% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | $0 | $66K | 5.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 0.70% |
| AMBER LARRAINE PALIC3 | 7520 LAS BRISAS TRAIL FARMINGTON, NM 87402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56K | $0 | $56K | 8.99% |
| PINON HILLS INSURANCE3 | 5920 EASTMAIN STREET FARMINGTON, NM 87402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | $0 | $36K | 5.74% |
| SEAN ANDREW FOSTER3 | 225 FOSTER LANE WHITEWATER, CO 81527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 2.39% |
| AMY MYER BUCHANAN3 | 348 SIR CHANDLER DRIVE KILL DEVIL HILLS, NC 27948 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.38% |
| RONALD A CORKISH3 Filed as: RONALD ALAN CORKISH | 1315 MAIN AVENUE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.33% |
| CINDY L. MCKNIGHT & OTHER AGENTS3 | 2421 CIRCLE 204 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.19% |
| ASPEN R LLC3 Filed as: ASPEN R, LLC | 752 MAIN AVENUE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $498 | $0 | $498 | 0.08% |
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 | 1,132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,784 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,784 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,569 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,569 | $1.3M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,569 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,784 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.