| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLOOD & PETERSON BENEFITS LLC3 | PO BOX 578 GREELEY, CO 80632 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $54K | — | $54K | 3.11% |
| FLOOD & PETERSON BENEFITS LLC3 | PO BOX 578 GREELEY, CO 80632 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $585 | — | $585 | 0.53% |
| FLOOD & PETERSON BENEFITS LLC3 | PO BOX 578 GREELEY, CO 80632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $496 | $496 | 1.06% |
| FLOOD & PETERSON BENEFITS LLC3 | PO BOX 578 GREELEY, CO 80632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $299 | $299 | 1.07% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | PO BOX 578 GREELEY, CO 80632 | VISION SERVICE PLAN | $880 | — | $880 | 4.84% |
| FLOOD & PETERSON BENEFITS LLC3 | PO BOX 578 GREELEY, CO 80632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $119 | $1K | 11.01% |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 151 | $1.7M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 199 | $110K |
| Vision | VISION SERVICE PLAN | 19 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 19 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
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.