| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ORCUTT INSURANCE GROUP LLC3 Filed as: ORCUTT INSURANCE GROUP, LLC | 8361 SANGRE DE CRISTO ROAD LITTLETON, CA 80127 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 3.48% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERV INC. | ATTN ACCOUNTING DEPT 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL | — | $7K | $7K | 6.89% |
| ORCUTT INSURANCE GROUP LLC3 | 8361 SANGRE DE CRISTO RD SUITE 200 LITTLETON, CO 80127 | PRINCIPAL | $6K | — | $6K | 5.19% |
| ORCUTT INSURANCE GROUP LLC3 | 8361 SANGRE DE CRISTO ROAD LITTLETON, CO 80127 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 18.36% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC. | 6143 S WILLOW DR SUITE 200 GREENWOOD VILLAGE, CO 80111 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 3.34% |
| OLSON & OLSON INS. SVCS., INC.3 Filed as: OLSON & OLSON INS SERVICES INC. | 5655 SOUTH YOSEMITE ST SUITE 200 GREENWOOD VILLAGE, CO 80121 | HARTFORD LIFE AND ACCIDENT | -$1K | — | -$1K | -1.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ORCUTT INSURANCE GROUP LLC BROKER | Insurance agents and brokers; Trustee (bank, trust company, or similar financial institution) Service code 21 | 8361 SANGRE DE CRISTO ROAD LITTLETON, CO 80127 | $91K |
| CIGNA HEALTH AND LIFE INS CO. EIN 59-1031071 TPA | Contract Administrator; Claims processing Service code 12 | — | $10K |
| CIGNA | Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Direct payment from the plan; Named fiduciary; Participant communication; Other services Service code 12 | — | $0 |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $343K |
| Dental | PRINCIPAL | 274 | $107K |
| Vision | PRINCIPAL | 274 | $107K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL | 274 | $213K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $105K |
| Other | HARTFORD LIFE AND ACCIDENT | 123 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.