| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 2340 CORPORATE CIRCLE HENDERSON, NV 89074 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $30K | — | $30K | 3.85% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY PLAZA I LIVINGSTON, NJ 07039 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $13K | — | $13K | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | PO BOX 3070 RICHMOND, VA 23228 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | — | $5K | $5K | 0.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 2340 CORPORATE CIRCLE HENDERSON, NV 89074 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.85% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY PLAZA I LIVINGSTON, NJ 07039 | ANTHEM LIFE INSURANCE COMPANY | $817 | — | $817 | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | PO BOX 3070 RICHMOND, VA 23228 | ANTHEM LIFE INSURANCE COMPANY | — | $302 | $302 | 0.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 2340 CORPORATE CIRCLE HENDERSON, NV 89074 | HMO COLORADO, INC. | $431 | — | $431 | 3.85% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PAKWAY PLAZA I LIVINGSTON, NJ 07039 | HMO COLORADO, INC. | $195 | — | $195 | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | PO BOX 3070 RICHMOND, VA 23228 | HMO COLORADO, INC. | — | $72 | $72 | 0.64% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 253 | $785K |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 253 | $774K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 253 | $774K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 185 | $47K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 185 | $47K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 185 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
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.