| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEATHCARE INSURANCE COMPANY | $14K | $0 | $14K | 13.08% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80337 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 21.79% |
| SARA SORENSEN-CONNICK3 Filed as: SARA SORENSON-CONNICK | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $7K | $14K | 21.44% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 8.60% |
| SHARLA LEARY3 | 18284 TENNYSON LANE PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $5K | 8.01% |
| JOSEPH MARTINEZ3 | 3158 ULSTER COURT DENVER, CO 80238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | $2K | $3K | 4.12% |
| MJ INSURANCE3 Filed as: DEREK ONEIL AND VARIOUS AGENTS | 3209 ANTELOPE RIDGE TRAIL PARKER, CO 80138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $208 | $2K | 3.37% |
| ALL ABOUT YOU WELLNESS LLC3 | 8999 APACHE PLUME DRIVE PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.28% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEATHCARE INSURANCE COMPANY | 819 | $106K |
| Vision | UNITEDHEATHCARE INSURANCE COMPANY | 819 | $106K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $64K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $64K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.