| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $89K | — | $89K | 4.58% |
| ACE BENEFIT PARTNERS, INC.3 | 1990 N CALIFORNIA BLVD STE 900 WALNUT CREEK, CA 94596 | RELIASTAR LIFE INSURANCE COMPANY | — | $75K | $75K | 3.87% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 4582 S ULSTER ST STE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $9K | — | $9K | 9.12% |
| AMY E GRIFFIN3 | PO BOX 270550 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.56% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY STREET #101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $938 | — | $938 | 3.15% |
| LAURA M MARCOTTE3 | 4312 BROOKSTONE CT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $611 | — | $611 | 2.05% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARRY C RIGGS | 516 GRANITE ST LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | — | $307 | 1.03% |
| DANIEL L FRENCH3 | 240 43RD AVE GREELEY, CO 80634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.45% |
| KYLE PROBASCO3 | PO BOX 271442 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.27% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN(JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.20% |
| JOSE DE LOS SANTOS III3 | 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.10% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN / IEC GROUP EIN 82-0497661 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $170K |
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 EAP ADMIN | Contract Administrator; Claims processing Service code 12 | — | $34K |
| HEALTH EQUITY SOLUTIONS INC. EIN 46-5011055 FSA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $8K |
| CATILIZE HEALTH EIN 20-5990340 MEDICAL ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $6K |
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 | 837 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 81 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 753 | $28K |
| Vision | VISION SERVICE PLAN | 536 | $95K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 837 | $1.9M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 837 | $1.9M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 837 | $1.9M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 837 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 837 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.