| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80246 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $37K | $37K | 1.86% |
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 | 4,517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 145 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 783 | $5.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,182 | $324K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,846 | $2.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,846 | $2.0M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 783 | $5.6M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,846 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,846 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.