| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 | 9781 SOUTH MERIDIAN BOULEVARD SUITE 110 ENGLEWOOD, CO 80112 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $60K | $0 | $60K | 1.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $23K | $0 | $23K | 0.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 2000 SOUTH COLORADO BOULEVARD SUITE 90 DENVER, CO 80222 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $8K | $0 | $8K | 0.24% |
| CHERRY CREEK BENEFITS3 | 9781 SOUTH MERIDIAN BOULEVARD SUITE 110 ENGLEWOOD, CO 80112 | DELTA DENTAL OF COLORADO | $13K | $0 | $13K | 3.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $3K | $0 | $3K | 0.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 6501 SOUTH FIDDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 0.33% |
| CHERRY CREEK BENEFITS3 | 9781 SOUTH MERIDIAN BOULEVARD SUITE 110 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.38% |
| CHERRY CREEK BENEFITS3 | 9781 SOUTH MERIDIAN BOULEVARD SUITE 110 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | VISION SERVICE PLAN | $469 | $0 | $469 | 0.87% |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 840 | $3.3M |
| Dental | DELTA DENTAL OF COLORADO | 639 | $352K |
| Vision | VISION SERVICE PLAN | 365 | $54K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 556 | $59K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 840 | $3.3M |
| Other(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 840 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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.