| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 0.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.06% |
| INSGROUP INC3 Filed as: MCDONALD INSURANCE GROUP OF CO | 6060 SOUTH BROADWAY LITTLETON, CO 80121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.74% |
| BRIAN K BURNHAM3 Filed as: BRIAN K. BURNHAM | 12209 WEST BURGUNDY AVENUE LITTLETON, CO 80127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $803 | $0 | $803 | 4.02% |
| JAMES D HORVAT3 Filed as: JAMES HORVAT | 2824 SOUTH SEBRING COURT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.30% |
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 | 594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 406 | $164K |
| Vision | VISION SERVICE PLAN | 236 | $41K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 594 | $82K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 594 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 594 | $62K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 594 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.