| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEATHCARE INSURANCE COMPANY | $9K | $0 | $9K | 6.76% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80337 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $60 | $6K | 8.99% |
| SARA SORENSEN-CONNICK3 | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.35% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $368 | $1K | 1.99% |
| ALL ABOUT YOU WELLNESS LLC Filed as: ALL ABT YOU WELLNESS & OTHER AGENTS | 8999 APACHE PLUME DRIVE PARKER, CO 80134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $549 | $0 | $549 | 0.78% |
| ABIGAIL LEIGH CONNICK3 | 10408 RUTLEDGE STREET PARKER, CO 80134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $526 | $0 | $526 | 0.75% |
| CARMELA REICKS3 | 103 BOHN COURT LYONS, CO 80540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $337 | $0 | $337 | 0.48% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS, INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $56 | $206 | 0.29% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEATHCARE INSURANCE COMPANY | 308 | $126K |
| Vision | UNITEDHEATHCARE INSURANCE COMPANY | 308 | $126K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 101 | $70K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 101 | $70K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 101 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.