| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO | 4582 S ULSTER ST STE 600 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $51K | $10K | $61K | 20.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CO LLC | 4582 S ULSTER ST STE 600 DENVER, CO 80237 | AMERITAS LIFE INSURANCE CORP. | $24K | — | $24K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO, LLC | 4582 S ULSTER ST STE 600 DENVER, CO 80237 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 8.20% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 COCKEYSVILLE, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $622 | — | $622 | 2.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CO, LLC. | 4582 S ULSTER STE 600 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $890 | — | $890 | 8.67% |
| IOPT LLC3 | PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 1.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSPITAL & MEDICAL EIN 84-0747736 PPO ADMIN | Contract Administrator; Claims processing Service code 12 | — | $147K |
| AMERIBEN/IEC GROUP EIN 82-0497661 THIRD PARTY ADMIN | Claims processing; Contract Administrator Service code 12 | — | $90K |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 276 | $237K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 276 | $237K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $305K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $305K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $305K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.