| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $708 | $9K | 5.53% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $797 | $854 | $2K | 0.96% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 11.38% |
| MICHAEL TERRENCE FLEMING3 | 138 PRESCOTT DRIVE BEAUFORT, SC 22902 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $508 | $0 | $508 | 2.46% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $459 | $8 | $467 | 2.26% |
| OPTIO LLC3 | 8547 EAST ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $283 | $0 | $283 | 1.37% |
| STEPHANIE A LEVINS3 Filed as: STEPHANIE A. LEVINS | 1912 TRENT RIVER AVENUE WAKE FOREST, NC 27587 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.39% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 0.38% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80337 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.30% |
| MJ INSURANCE3 Filed as: VOL. SOLUTIONS AND VARIOUS AGENTS | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $14 | $59 | 0.29% |
| BLUMCIA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD STREET WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $462 | $0 | $462 | 17.47% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 224 | $171K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 224 | $171K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $89K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $89K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $89K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.