| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL, STE 900 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $919 | $0 | $919 | 4.51% |
| OPTIO LLC3 | 8547 E ARAPAHOE RD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $466 | $0 | $466 | 2.29% |
| MELISSA A KOLL3 | 216 CLIMAX DR DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | $0 | $212 | 1.04% |
| MARY CATHERINE WILLIAMS3 | 11059 E BETHANY DR AURORA, CO 80014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.36% |
| EVAN D BURDEN3 | 5236 E ATLANTIC PL DENVER, CO 80222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.31% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 9903 E 150TH AVE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.18% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM DENVER, CO 80202 | EYEMED VISION CARE | $2K | $0 | $2K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.5 Filed as: WARNER PACIFIC INSURANCE SVCS-CO | 6200 SOUTH SYRACUSE WAY, STE 460 GREENWOOD VILLAGE, CO 80111 | EYEMED VISION CARE | $1K | $0 | $1K | 7.30% |
| BETA HEALTH ASSOCIATION5 Filed as: BETA HEALTH ASSOCIATION BOR | 6200 SOUTH SYRACUSE WAY, STE 460 GREENWOOD VILLAGE, CO 80111 | EYEMED VISION CARE | $120 | $0 | $120 | 0.70% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL., SUITE 900 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED EQUITY MANAGEMENT CORP EIN 20-0857620 BROKER | Insurance agents and brokers Service code 22 | 1800 GLENARM PL., STE 900 DENVER, CO 80202 | $51K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMINISTRATOR | Float revenue; Non-monetary compensation; Direct payment from the plan; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | — | $32K |
| CIGNA HEALTH & LIFE INSURANCE CO | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator Service code 12 | — | $0 |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $647K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $647K |
| Vision | EYEMED VISION CARE | 365 | $17K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.