| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOC INC | 9725 EAST HAMPDEN AVENUE SUITE 400 DENVER, CO 80231 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 6.71% |
| JASON EVANS3 | 6400 SOUTH FIDDLERS GREEN CIRCLE SUITE 600 GREENWOOD VILLAGE, CO 80111 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.62% |
| INS EXCHANGE LLC3 | 5 ROEHM COURT WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 2.51% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FIN SECURITIES INC | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.87% |
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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MED SERV INC | 821 | $4.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 821 | $223K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 821 | $223K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $479K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $479K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MED SERV INC | 744 | $4.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 821 | $702K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 821 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.