| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY PLAZA I LIVINGSTON, NJ 07039 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $20K | — | $20K | 8.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 975 KELLY JOHNSON DR #100 LAS VEGAS, NV 89119 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $92 | — | $92 | 0.04% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY PLAZA I LIVINGSTON, NJ 07039 | ANTHEM LIFE INSURANCE COMPANY | $490 | — | $490 | 8.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 975 KELLY JOHNSON DR #100 LAS VEGAS, NV 89119 | ANTHEM LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY PLAZA I LIVINGSTON, NJ 07039 | HMO COLORADO, INC. | $428 | — | $428 | 8.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 975 KELLY JOHNSON DR #100 LAS VEGAS, NV 89119 | HMO COLORADO, INC. | $2 | — | $2 | 0.04% |
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 | 99 | 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) | 100 | 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. | 116 | $244K |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 116 | $238K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 116 | $238K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 74 | $6K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 74 | $6K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 74 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.