| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $137K | — | $137K | 2.71% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $28K | — | $28K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.50% |
| AON CONSULTING INC3 | 1900 SIXTEENTH ST DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.50% |
| AON CONSULTING INC3 Filed as: AON HEWITT - DENVER, CO. | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 11.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| DELTA DENTAL OF COLORADO3 Filed as: DELTA DENTAL OF CO | 4582 SOUTH ULSTER STREET DENVER, CO 80237 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
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 | 937 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,072 | $5.8M |
| Dental | DELTA DENTAL OF COLORADO | 1,281 | $398K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,148 | $67K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 937 | $301K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 937 | $208K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 937 | $208K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,072 | $5.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 937 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.