| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEA INSURANCE LLC3 | 3195 SAINT ROSE PKWY STE 130 HENDERSON, NV 89052 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. AND HMO COLORADO | $10K | — | $10K | 2.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. AND HMO COLORADO | $3K | — | $3K | 0.72% |
| SHEA INSURANCE LLC3 | 5510 FORT APACHE ROAD LAS VEGAS, NV 89148 | ASSURITY LIFE INSURANCE COMPANY | $33K | — | $33K | 73.12% |
| SHEA INSURANCE LLC3 | 5510 S FORT APACHE RD LAS VEGAS, NV 89148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $954 | $48 | $1K | 2.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSP & MED SERV EIN 84-0747736 RX ADMIN | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $273K |
| HMO COLORADO, INC EIN 84-1017384 CLAIMS ADMIN | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $131K |
| HMO COLORADO INC | Float revenue; Other commissions; Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $62K |
| INGENIORX, INC EIN 82-3062245 RX ADMIN | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | -$53K |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. AND HMO COLORADO | 460 | $441K |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. AND HMO COLORADO | 460 | $441K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. AND HMO COLORADO | 460 | $441K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 192 | $45K |
| Stop-loss / reinsurancereinsurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. AND HMO COLORADO | 460 | $441K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 192 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.