| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 W. 18TH ST. GREELEY, CO 80634 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | $40K | — | $40K | 3.28% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 W. 18TH ST. GREELEY, CO 80634 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | $0 | — | $0 | 0.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 W. 18TH ST. GREELEY, CO 80634 | ANTHEM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 W. 18TH ST. GREELEY, CO 80634 | ANTHEM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 W. 18TH ST. GREELEY, CO 80634 | STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 W. 18TH ST. GREELEY, CO 80634 | VISION SERVICE PLAN | $692 | $0 | $692 | 5.31% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $0 | $26 | $26 | 0.20% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 W. 18TH ST. GREELEY, CO 80634 | ANTHEM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 W. 18TH ST. GREELEY, CO 80634 | STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 W. 18TH ST. GREELEY, CO 80634 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | $0 | — | $0 | 0.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 W. 18TH ST. GREELEY, CO 80634 | STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | 115 | $1.2M |
| Dental | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | 159 | $66K |
| Vision | VISION SERVICE PLAN | 94 | $13K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 143 | $9K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 142 | $59K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 142 | $21K |
| Other | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
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.