| 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. | $42K | — | $42K | 2.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $32K | — | $32K | 1.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING DENVER | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $5K | — | $5K | 2.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 2.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | PO BOX 6718 SOMERSET, NJ 08875 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 4TH FL SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - NEW JERSEY | 29840 NETWORK PL CHICAGO, IL 60683 | HARTFORD LIFE AND ACCIDENT | — | $523 | $523 | 1.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 227 W TRADE ST STE 1930 CHARLOTTE, NC 28202 | HARTFORD LIFE AND ACCIDENT | — | $365 | $365 | 0.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $97 | $97 | 0.20% |
| 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. | $2K | — | $2K | 6.19% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH ST. STE. 100 DENVER, CO 80202 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 4.38% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 409 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 414 | $194K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 409 | $27K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 239 | $78K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 239 | $49K |
| Prescription drug(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 409 | $2.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 239 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.