| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENVER MANAGEMENT ADVISORS3 | 5299 DTC BLVD STE 425 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $4K | $4K | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE & PENSION ADMIN SVC EIN 91-1363171 NONE | Contract Administrator Service code 13 | — | $48K |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal Service code 29 | — | $32K |
| LINDQUIST, LLP EIN 52-2385296 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| DENVER MANAGEMENT ADVISORS, INC. EIN 55-0888767 NONE | Consulting (general) Service code 16 | — | $18K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $10K |
| CHARLES SCHWAB & CO, INC. EIN 94-1737782 NONE | Custodial (securities) Service code 19 | — | $7K |
| J.H. HERRLE & ASSOCIATES EIN 93-0692196 NONE | Insurance agents and brokers Service code 22 | — | $0 |
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 | 588 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 866 | $3.7M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 866 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 866 | — |
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 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.