| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 1900 GRANT ST STE 650 DENVER, CO 80203 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $32K | $0 | $32K | 4.85% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | $18K | $68K | 13.12% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | DELTA DENTAL OF COLORADO | $13K | $0 | $13K | 10.37% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 6143 S WILLOW DR STE 200 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $5K | $0 | $5K | 4.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 16.94% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $468 | $468 | 0.86% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $516 | $516 | 1.57% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $594 | $594 | 2.47% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER STE 215 FT. WASHINGTON, PA 19034 | EYEMED VISION CARE | $1K | $0 | $1K | 6.17% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS DBA INTREPID CO | 1900 N GRANT STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $279 | $3K | 21.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $124 | $124 | 0.89% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4635 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 5.02% |
| GREGORY G WAY3 | 13074 COFFEE TREE ST PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 1.37% |
| DAYTON LLC3 | 5445 DTC PARKWAY STE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.27% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 226 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 351 | $128K |
| Vision | EYEMED VISION CARE | 319 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $47K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $24K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.