| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY ST STE 800 DENVER, CO 80246 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $78K | — | $78K | 4.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 6143 SOUTH WILLOW DRIVE SUITE 200 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $17K | — | $17K | 0.90% |
| COLORADO INSURANCE COUNSELORS INC3 | 6050 E 1ST AVE DENVER, CO 80220 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $8K | — | $8K | 0.42% |
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY ST STE 800 DENVER, CO 80246 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | $84K | — | $84K | 5.67% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | — | $11K | $11K | 0.77% |
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY ST STE 800 DENVER, CO 80246 | COMPANION LIFE | $29K | — | $29K | 16.11% |
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY STREET SUITE 800 DENVER, CO 80246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 7.77% |
| KRISTA K PRICE3 | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 7.05% |
| JEFFREY P PRICE3 Filed as: JEFFREY PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.86% |
| KATIE J FLETCHER3 Filed as: KATIE FLETCHER | 9247 N MERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.74% |
| LINDSAY A LIJEWSKI3 Filed as: LINDSAY A HANSEN | 5894 E CARLEY AVE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.50% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 S QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.17% |
| J MERRITT MCDOLE3 | 6-59 S QUEBEC ST STE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.72% |
| STRATEGIC HR BENEFITS LLC3 Filed as: STRATEGIC HR BENEFITS, LLC | 600 SOUTH CHERRY STREET SUITE 800 DENVER, CO 80246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 7.77% |
| KRISTA K PRICE3 | 3864 S QUINCE ST DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 7.05% |
| JEFFREY P PRICE3 | 3864 S QUINCE ST DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.86% |
| KATIE J FLETCHER3 Filed as: KATIE J. FLETCHER | 9247 NORTH MERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.74% |
| LINDAY A. HANSEN3 | 5894 CARLEY AVENUE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.50% |
| NANCY LAPHAM3 Filed as: NANCY L. HARMON | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.17% |
| J MERRITT MCDOLE3 Filed as: J. MERRITT MCDOLE | 6059 SOUTH QUEBEC SUITE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.72% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $690 | — | $690 | 0.42% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 9034 EAST EASTER SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $576 | — | $576 | 0.35% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $572 | — | $572 | 0.35% |
| JOSE DE LOS SANTOS III3 | 155 INVERENS SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $549 | — | $549 | 0.34% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $517 | — | $517 | 0.32% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $374 | — | $374 | 0.23% |
| LAUREN C ANDERSON3 | PO BOX 18298 AVON, CO 81632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $270 | — | $270 | 0.17% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CONTINENTAL AMERICAN INSURANCE COMPANY | $230 | — | $230 | 0.14% |
| VALINDA R ANTHONY3 Filed as: VALINDA R. ANTHONY | 19680 CLUBHOUSE DRIVE APARTMENT 230 PARKER, CO 80137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $227 | — | $227 | 0.14% |
| SUE MCFADDEN3 Filed as: SUE A. MCFADDEN | 9304 WEST HINSDALE PLACE LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197 | — | $197 | 0.12% |
| JAMES D RUDER3 Filed as: JAMES D. RUDER | 6059 SOUTH QUEBEC STREET SUITE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.05% |
| ZENAT SHARIFF BELKIN3 Filed as: ZENAT S. BELKIN | 14204 WEST EVANS CIRCLE LAKEWOOD, CO 80228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.05% |
| CHRISTINA L SHEPARD3 Filed as: CHRISTINA L. SHEPARD | 6059 SOUTH QUEBEC STREET SUITE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.04% |
| JANET A MARSHALL3 | 3169 S DAYTON CT DENVER, CO 80231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.03% |
| COLORADO INSURANCE COUNSELORS INC3 | 925 SOUTH NIAGARA STREET SUITE 610 DENVER, CO 80224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.03% |
| KEN MAJOR3 | 6525 GUNPARK DRIVE SUITE 370-222 BOULDER, CO 80301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| GARY GIARRATANO3 | 14709 WEDD STREET OVERLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 218 HERMITAGE BLVD OAK RIDGE, TN 37830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| SKY FARRELL3 Filed as: SKY T. FARRELL | 6000 EAST EVANS AVENUE SUITE 1-330 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L. LAMBERT | 15419 WEST 127TH STREET LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| KENT HORSMAN3 Filed as: KENT J. HORSMAN | 840 WOODCOVE COURT CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHAD L NELSON3 Filed as: CHAD L. NELSON | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY ST STE 800 DENVER, CO 80246 | COMPANION LIFE | $7K | — | $7K | 16.13% |
| STRATEGIC HR BENEFITS LLC3 | 600 SOUTH CHERRY STREET SUITE 800 DENVER, CO 80246 | BETA HEALTH ASSOCIATION INC | $3K | — | $3K | 7.60% |
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 | 1,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 504 | $3.5M |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE | 366 | $219K |
| Vision | COMPANION LIFE | 413 | $43K |
| Life insurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 271 | $1.5M |
| Other(3 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 701 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.