| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 7.01% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $152 | $19K | 7.07% |
| SARA SORENSEN-CONNICK3 | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 2.63% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $898 | $5K | 1.67% |
| MJ INSURANCE3 Filed as: MARK J. ROBISON AND VARIOUS AGENTS | 1255 KIENAS ROAD KALISPELL, MT 59901 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $189 | $3K | 0.94% |
| LAURA LETICIA RENOVA3 | 2048 AUDREY HELPBURN STREET LAS VEGAS, NV 89142 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $239 | $2K | 0.76% |
| TAMARA ANNE HINES3 Filed as: TAMARA ANNE WATSON | 10063 PARK MEADOWS DRIVE LONE TREE, CO 80124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $910 | $13 | $923 | 0.34% |
| LAUREL GUARDADO3 | 2012 SOUTH GALAPAGO STREET DENVER, CO 80223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | $0 | $359 | 0.13% |
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 | 883 | 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) | 883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,312 | $536K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,312 | $536K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 446 | $271K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 446 | $271K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 446 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,312 | — |
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.