| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 N GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 7.86% |
| INTREPID3 Filed as: INTREPID BENEFITS INC. | 1900 N GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED HEALTHCARE INSURANCE COMPANY | $56 | $0 | $56 | 0.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 N GRANT STREET SUITE 650 DENVER, CO 80203 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 10.02% |
| INTREPID3 Filed as: INTREPID BENEFITS, INC. | 1900 GRANT STREET SUITE 650 DENVER, CO 80203 | BETA HEALTH | $239 | $0 | $239 | 7.61% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE | 6143 S WILLOW DRIVE SUITE 200 ENGLEWOOD, CO 80111 | COMPANION LIFE INSURANCE COMPANY | $163 | $0 | $163 | 7.03% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH | 6200 S SYRACUSE WAY SUITE 460 GREENWOOD VILLAGE, CO 80111 | COMPANION LIFE INSURANCE COMPANY | $116 | $0 | $116 | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT STREET SUITE 650 DENVER, CO 80203 | COMPANION LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 N GRANT STEET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $230 | $49 | $279 | 24.26% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.35% |
| ROGERS BENEFIT GROUP INC4 Filed as: MICHAEL J. ROGERS | P.O. BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $298 | $0 | $298 | 29.02% |
| PATRIOT GROWTH INSURANCE SERVICES4 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $199 | $0 | $199 | 19.38% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 46 | $208K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 32 | $16K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 41 | $2K |
| Other(3 contracts, 3 carriers) | CURALINC, LLC DBA CURALINC HEALTHCARE | 225 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.