| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, ID 60673 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $70K | — | $70K | 3.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING DENVER | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $6K | — | $6K | 4.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - NEW JERSEY | 29840 NETWORK PL CHICAGO, IL 606831298 | HARTFORD LIFE AND ACCIDENT | $5K | $469 | $5K | 10.95% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $57 | $57 | 0.12% |
| AON CONSULTING INC3 Filed as: AON HEWITT - DENVER | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | — | $3K | 9.79% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 385 | $2.1M |
| Dental | DELTA DENTAL OF COLORADO | 388 | $130K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 379 | $28K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 359 | $49K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 359 | $49K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 385 | $2.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 359 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.