Gerald L. Lukton Company Inc.

• Boutique firm where every client is personally handled by the president, David McFerrin.
• Emphasis on innovation, trust, and long-term relationships with local businesses.
• Recognized presence in Colorado, partnering with organizations across the region.

Leadership and expertise

• Led by David McFerrin, an employee benefits specialist with more than 35 years of experience.
• Holds the Certified Self-Funded Specialist (C.S.F.S.) designation, bringing advanced knowledge of self-funded plan design.
• Provides clear, customized guidance on today's complex benefits landscape.

Mission and approach

Gerald L. Lukton Company Inc. focuses on:

• Reducing complexity in employee benefits for employers.
• Maximizing value in group health and related coverage.
• Maintaining transparency, openness, and accessibility.
• Treating every client as a partner, not a transaction.

Family values and community commitment are central to how the firm operates and supports its clients.

Key offerings include:

• Group health insurance – Medical plans designed to balance comprehensive coverage with cost efficiency.
• Dental insurance – Dental plans that typically cover preventive, essential, and major procedures.
• Vision benefits – Vision plans that may include exams, eyewear, and contact lenses to support ongoing eye health.
• Group life insurance – Life insurance options as part of a broader employee benefits package.

How services are delivered

• Benefits are tailored to each employer's workforce and goals, rather than using one-size-fits-all plans.
• The firm collaborates directly with business owners and decision makers to explain options clearly.
• Plan design emphasizes both employee wellness and the employer's budget.

For detailed options or plan designs for your organization, contact the firm directly for a consultation.

• Monday – Friday: 8:00 AM – 5:00 PM
• Saturday – Sunday: Closed

How to contact the firm

You can reach Gerald L. Lukton Company Inc. using the contact details published on the website:

• Phone: (303) 691-2415
• Email: david@luktoncompany.com

For detailed benefit questions, plan design discussions, or self-funded options, contacting the firm directly is the best way to get accurate, up-to-date information.

Scheduling a consultation

Prospective and existing clients can request a professional insurance consultation by using the contact form on the website or by calling the office during business hours.

Consultations are used to:

• Learn about your organization and employee benefit goals.
• Review current benefits and potential improvements.
• Discuss group health, dental, vision, life, and self-funded plan options.

For any information not covered in these documents—such as specific plan designs, carrier options, or current pricing—please contact the firm directly.

Gerald L. Lukton Company Inc. specializes in self-funded employee benefit arrangements for eligible employers.

• Self-funded plans allow employers to take more direct control over claim costs while still protecting against large or unexpected expenses.
• The firm brings advanced, up-to-date knowledge of self-funded structures and risk protection.

Aggregate and specific protection

Self-funded plans supported by Gerald L. Lukton Company Inc. can include two key forms of stop-loss protection:

• Aggregate coverage – Helps protect the employer when total claims for the covered group exceed a predetermined level during the plan period.
• Specific coverage – Helps protect against very high-cost claims for an individual covered member.

These protections are designed to provide financial stability while allowing employers to benefit from the potential savings of a self-funded approach.

When self-funded options may fit

Self-funded strategies may be considered by employers who:

• Have at least five employees and are looking for more control over benefit costs.
• Want to pair employee wellness and plan design with stronger cost-management tools.

To determine whether a self-funded structure is appropriate for your organization, the firm conducts a tailored review and discusses options directly with you.

• Commercial businesses with 5 or more employees.
• Employers seeking tailored group health and employee benefits strategies.
• Organizations interested in exploring self-funded options with aggregate and specific protection.

Geographic focus

• Based in Colorado with strong ties to the Denver area.
• Serves employers in and around Greenwood Village and across the region.

How the firm supports employers

• Simplifies complex benefits decisions for business owners and HR leaders.
• Helps align benefits strategies with business growth and employee retention goals.
• Provides ongoing support as plans evolve or regulations change.

Employers who want a boutique, relationship-driven approach to employee benefits are a strong fit for Gerald L. Lukton Company Inc.

Ask anyway — the agent will say plainly that it is not published rather than guess.