| 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 | 4.56% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 N GRANT STREET SUITE 650 DENVER, CO 80203 | DELTA DENTAL OF COLORADO | $2K | $0 | $2K | 10.21% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 N GRANT STEET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $624 | $66 | $690 | 22.14% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $29 | $29 | 0.93% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT STREET SUITE 650 DENVER, CO 80203 | COMPANION LIFE INSURANCE COMPANY | $176 | $0 | $176 | 7.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE | 6143 S WILLOW DRIVE SUITE 200 ENGLEWOOD, CO 80111 | COMPANION LIFE INSURANCE COMPANY | $142 | $0 | $142 | 5.65% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH | 6200 S SYRACUSE WAY SUITE 460 GREENWOOD VILLAGE, CO 80111 | COMPANION LIFE INSURANCE COMPANY | -$17 | $0 | -$17 | -0.68% |
| INTREPID3 Filed as: INTREPID BENEFITS, INC. | 1900 GRANT STREET SUITE 650 DENVER, CO 80203 | BETA HEALTH | $169 | $0 | $169 | 7.97% |
| ROGERS BENEFIT GROUP INC4 Filed as: MELINDA ROGERS | P.O. BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $417 | $0 | $417 | 21.18% |
| PATRIOT GROWTH INSURANCE SERVICES4 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $320 | $0 | $320 | 16.25% |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 45 | $351K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 43 | $18K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 36 | $3K |
| Other(3 contracts, 3 carriers) | CURALINC, LLC DBA CURALINC HEALTHCARE | 280 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.