| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALL RIVER CONSULTING GROUP LLC Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CO 80211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $61K | $0 | $61K | 3.64% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $33K | $33K | 2.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 1.36% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | DELTA DENTAL OF COLORADO | $6K | $0 | $6K | 4.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE SUITE 300 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF COLORADO | $2K | $0 | $2K | 1.97% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $20K | 16.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.25% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.38% |
| FALL RIVER CONSULTING GROUP LLC Filed as: FALL RIVER CONSULTING GROUP, LLC | 2829 WYANDOT ST DENVER, CO 80211 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.55% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $74 | $0 | $74 | 0.23% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 291 | $1.7M |
| Dental | DELTA DENTAL OF COLORADO | 389 | $125K |
| Vision | VISION SERVICE PLAN | 212 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $123K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $123K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $123K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.