| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITED HEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 6.36% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80337 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42K | $9K | $50K | 22.60% |
| SARA SORENSEN-CONNICK3 | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $26K | $49K | 21.97% |
| LIFE TIME SOLUTIONS LLC3 Filed as: LIFE TIME SOLUTIONS AND OTHERS | 861 KENWOOD STREET UPLAND, CA 91784 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $7K | $25K | 11.23% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $11K | $21K | 9.57% |
| JAIME VALENTINE AYALA3 | 711 SADLER AVENUE LOS ANGELES, CA 90022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $543 | $7K | 3.15% |
| MARK J ROBISON3 | 1255 KIENAS ROAD KALISPELL, MT 59901 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $470 | $5K | 2.19% |
| TAMARA ANNE HINES3 Filed as: TAMARA ANNE WATSON | 8200 OFFENHAUSER DRIVE RENO, NV 89511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $619 | $4K | 2.01% |
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 | 915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 772 | $501K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 772 | $501K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 487 | $223K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 487 | $223K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 487 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.
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.