| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $0 | $45K | 8.05% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $403 | $9K | 11.74% |
| SARA SORENSEN-CONNICK3 Filed as: SARA SORENSON-CONNICK | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $49 | $3K | 4.70% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 3.69% |
| MJ INSURANCE3 Filed as: MYRIAM A. COOKE AND VARIOUS AGENTS | 7259 WEST KENTUCKY DRIVE LAKEWOOD, CO 80226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $6 | $2K | 2.28% |
| ABIGAIL LEIGH CONNICK3 | 10408 RUTLEDGE STREET PARKER, CO 80134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $150 | $1K | 1.68% |
| ALL ABOUT YOU WELLNESS LLC3 | 8999 APACHE PLUME DRIVE PARKER, CO 80134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $935 | $0 | $935 | 1.26% |
| SHARLA LEARY3 | 18284 TENNYSON LANE PARKER, CO 80134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $644 | $229 | $873 | 1.18% |
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 | 896 | 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) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 719 | $559K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 719 | $559K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 111 | $74K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 111 | $74K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 111 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.