| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEATHCARE INSURANCE COMPANY | $11K | $0 | $11K | 8.10% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.86% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $643 | $196 | $839 | 2.19% |
| SARA SORENSEN-CONNICK3 | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $751 | $0 | $751 | 1.96% |
| ABIGAIL LEIGH CONNICK3 | 10408 RUTLEDGE STREET PARKER, CO 80134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $257 | $0 | $257 | 0.67% |
| CARMELA REICKS3 | 103 BOHN COURT LYONS, CO 80540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | $0 | $239 | 0.62% |
| MELISSA SALOMONSON3 Filed as: MELISSA SALOMONSON AND OTHER AGENTS | 5129 MOUNT ARAPAHO CIRCLE FREDERICK, CO 80504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $228 | $2 | $230 | 0.60% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | 9720 EAST 1ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | $34 | $166 | 0.43% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEATHCARE INSURANCE COMPANY | 416 | $130K |
| Vision | UNITEDHEATHCARE INSURANCE COMPANY | 416 | $130K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $38K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $38K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.