| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 4582 SOUTH ULSTER STREET DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 9.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 4582 S ULSTER ST STE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $14K | — | $14K | 9.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNES OF COLORADO, LLC | 4582 SOUTH ULSTER STREET DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 4582 SOUTH ULSTER STREET DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 4582 SOUTH ULSTER STREET DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.54% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT. DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | THE GUARDIAN LIFE INSURANCE COMPANY | $639 | — | $639 | 1.76% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 4582 SOUTH ULSTER STREET DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 MEDICAL FEES | Float revenue; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Claims processing; Other services; Named fiduciary Service code 12 | — | $443K |
| VISION SERVICE PLAN EIN 06-1227840 VISION ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $26K |
| CATILIZE HEALTH, INC. EIN 20-5990340 HRA ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $16K |
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 FSA ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $9K |
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 | 1,003 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,036 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 852 | $36K |
| Vision | VISION SERVICE PLAN | 680 | $136K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,003 | $324K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,003 | $329K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,003 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,003 | — |
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.