| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACE BENEFIT PARTNERS, INC.3 | 1990 N CALIFORNIA BLVD STE 900 WALNUT CREEK, CA 94596 | RELIASTAR LIFE INSURANCE COMPANY | — | $51K | $51K | 3.60% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGEN | 10401 N MERIDIAN ST STE 300 INDIANAPOLIS, IN 46290 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 1.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 4582 S ULSTER ST STE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $9K | — | $9K | 10.03% |
| AMY E GRIFFIN3 | PO BOX 270550 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.85% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY STREET #101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $807 | — | $807 | 2.78% |
| LAURA M MARCOTTE3 | 4312 BROOKSTONE CT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $675 | — | $675 | 2.33% |
| DANIEL L FRENCH3 | 240 43RD AVE GREELEY, CO 80634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.60% |
| KYLE PROBASCO3 | PO BOX 271442 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.52% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN(JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.27% |
| JOSE DE LOS SANTOS III3 | 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.13% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $349K |
| ASSUREDPARTNERS OF COLORADO, LLC MEDICAL | Claims processing; Contract Administrator Service code 12 | 4582 SOUTH ULSTER STREET SUITE 600 DENVER, CO 80237 | $105K |
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 EAP ADMIN | Claims processing; Contract Administrator Service code 12 | — | $18K |
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 | 745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,429 | $678K |
| Vision | VISION SERVICE PLAN | 437 | $89K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 745 | $1.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 745 | $1.4M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 745 | $1.4M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,429 | $678K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,429 | $678K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 745 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,429 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.