| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVO BENEFITS GROUP | — | UNITEDHEALTHCARE INSURANCE COMPANY | $70K | — | $70K | 3.47% |
| INNOVO BENEFITS GROUP | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 8.22% |
| INNOVO BENEFITS GROUP | — | DELTA DENTAL OF COLORADO | $8K | — | $8K | 4.52% |
| INNOVO BENEFITS GROUP | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.56% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 452 | $2.0M |
| Dental | DELTA DENTAL OF COLORADO | 561 | $178K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 516 | $30K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $214K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $214K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.