| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY ST STE 800 DENVER, CO 80246 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | $143K | — | $143K | 4.75% |
| 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 | — | $14K | $14K | 0.48% |
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY ST STE 800 DENVER, CO 80246 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $97K | $8K | $105K | 5.98% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 6143 SOUTH WILLOW DR STE 200 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $19K | — | $19K | 1.10% |
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY ST STE 800 DENVER, CO 80246 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | $23K | — | $23K | 3.98% |
| 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 | — | $3K | $3K | 0.59% |
| JEFFREY P PRICE3 Filed as: JEFFREY PRICE | 3864 S QUINCE ST DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 9.96% |
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY ST STE 800 DENVER, CO 80246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 7.45% |
| KRISTA K PRICE3 | 3864 S QUINCE ST DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 2.70% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 S QUATAR ST AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.62% |
| KATIE J FLETCHER3 | 9247 N MERIDIAN INDIANAPOLIS, ID 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.17% |
| J MERRITT MCDOLE3 | 6059 S QUEBEC ST STE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.65% |
| TIMOTHY B ASBY3 | 9247 MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $513 | — | $513 | 0.25% |
| MISTY M KRUG3 Filed as: MISTY KRUG | 2774 DEPEW ST WHEAT RIDGE, CO 80214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $494 | — | $494 | 0.24% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $359 | — | $359 | 0.17% |
| LINDSAY A LIJEWSKI3 | 5894 E CALEY AVE CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $351 | — | $351 | 0.17% |
| STEVEN T PIERSON3 | 3776 OAKWOOD DR LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $272 | — | $272 | 0.13% |
| HOLLY HALL3 | 8601 N TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $272 | — | $272 | 0.13% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 S MILONA DR DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | — | $259 | 0.13% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $256 | — | $256 | 0.12% |
| REGINA K SANTANGELO3 | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $227 | — | $227 | 0.11% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $213 | — | $213 | 0.10% |
| ROGER CURTIS POWELL3 Filed as: ROGER C POWELL | 2701 NEABSCO COMMON PL APT 512 WOODBRIDGE, VA 22191 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.06% |
| LISA M HALL3 | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.04% |
| JAMED D RUDER3 | 412 W MAIN ST BROWFIELD, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.03% |
| LAUREN C ANDERSON3 | PO BOX 18298 AVON, CO 81632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.03% |
| CHRISTINA SHEPARD3 | 6059 S QUEBEC ST STE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.03% |
| SUE MCFADDEN3 Filed as: SUE A MCFADDEN | 9304 W HINSDALE PL LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.03% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.02% |
| COLORADO INSURANCE COUNSELORS INC3 | 925 S NIAGARA ST STE 610 DENVER, CO 80224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.02% |
| ZENAT SHARIFF BELKIN3 Filed as: ZENAT S BELKIN | 14204 W EVANS CIR LAKEWOOD, CO 80228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.02% |
| VALINDA R ANTHONY3 | 19680 CLUBHOUSE DR APT 230 PARKER, CO 80138 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| WENDY G WITUCKI3 | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| KEN MAJOR3 | 6525 GUNPARK DR STE 370-222 BOULDER, CO 80301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| GARY GIARRATANO3 | 13309 W 73RD ST SHAWNEE, KS 66216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| JANET A MARSHALL3 | 3169 S DAYTON CT DENVER, CO 80231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 11829 OLDEGROVE PL TAMPA, FL 33617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| SKY FARRELL3 Filed as: SKY T FARRELL | 6000 E EVANS AVE STE 1-330 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L LAMBERT | 15419 W 127TH ST LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| KENT HORSMAN3 Filed as: KENT J HORSMAN | 14162 LADUE RD CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STEPHEN KELLS3 | 514 MAYFAIR CT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHAD L NELSON3 | 490 E ROOSEVELT RD STE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JEFFREY P PRICE3 Filed as: JEFFREY PRICE | 3864 S QUINCE ST DENVER, CO 80237 | AFLAC | $889 | $121 | $1K | 2.16% |
| KRISTA K PRICE3 Filed as: KRISTA PRICE | 3864 S QUINCE ST DENVER, CO 80237 | AFLAC | $426 | $174 | $600 | 1.29% |
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY ST STE 800 DENVER, CO 80246 | AFLAC | $556 | — | $556 | 1.19% |
| KATIE J FLETCHER3 Filed as: KATIE FLETCHER | 21263 STATE HWY 148 MARYVILLE, MO 64468 | AFLAC | $338 | — | $338 | 0.72% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $300 | — | $300 | 0.64% |
| SUE MCFADDEN3 | 9304 W HINSDALE PL LITTLETON, CO 80128 | AFLAC | $298 | — | $298 | 0.64% |
| STEVEN T PIERSON3 Filed as: STEVEN PIERSON | 3776 OAKWOOD DR LONGMONT, CO 80503 | AFLAC | $273 | $20 | $293 | 0.63% |
| HOLLY HALL3 | 1333 E LYNDALE AVE HELENA, MT 59601 | AFLAC | $273 | $20 | $293 | 0.63% |
| NANCY HARMON3 | 3925 S QUATAR ST AURORA, CO 80018 | AFLAC | $200 | $59 | $259 | 0.55% |
| LARMON PESCHKA3 | 16748 E SMOKY HILL RD UNIT 9C AURORA, CO 80015 | AFLAC | $222 | — | $222 | 0.48% |
| JONATHAN KIRKLAND3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $187 | — | $187 | 0.40% |
| VALINDA R ANTHONY3 Filed as: VALINDA ANTHONY | 22308 QUAIL RUN WAY PARKER, CO 80138 | AFLAC | $147 | — | $147 | 0.31% |
| LAUREN ANDERSON3 | PO BOX 18298 AVON, CO 81620 | AFLAC | $142 | — | $142 | 0.30% |
| COLORADO INSURANCE COUNSELORS INC3 Filed as: COLORADO INS COUNSELORS INC | 6080 E 1ST AVE DENVER, CO 80220 | AFLAC | $123 | — | $123 | 0.26% |
| MISTY M KRUG3 Filed as: MISTY KRUG | 2774 DEPEW ST WHEAT RIDGE, CO 80214 | AFLAC | $96 | $25 | $121 | 0.26% |
| CHARLES TUCKER3 | 67843 E 48TH AVE BYERS, CO 80103 | AFLAC | $120 | — | $120 | 0.26% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $93 | $20 | $113 | 0.24% |
| ROGER CURTIS POWELL3 Filed as: ROGER POWELL | 3204 N ACADEMY BLVD STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $94 | $14 | $108 | 0.23% |
| KATHERINE ANDERSON3 | 2977 HYDRA DR LOVELAND, CO 80537 | AFLAC | $91 | $9 | $100 | 0.21% |
| J MERRITT MCDOLE3 | 6059 S QUEBEC ST STE 100 CENTENNIAL, CO 80111 | AFLAC | $61 | $34 | $95 | 0.20% |
| DAVID RACENSTEIN3 | 3190 E YARROW CIR SUPERIOR, CO 80027 | AFLAC | $69 | $14 | $83 | 0.18% |
| BRENDA J MCGINNIS3 Filed as: BRENDA MCGINNIS | 90 BRASWELL RD GUNTERSVILLE, AL 35976 | AFLAC | $78 | — | $78 | 0.17% |
| LISA A PERRI3 Filed as: LISA PERRY | 1300 W 12TH AVE BROOMFIELD, CO 80020 | AFLAC | $66 | — | $66 | 0.14% |
| TROY J KIDD3 Filed as: TROY KIDD | 13066 EMERSON ST THORNTON, CO 80241 | AFLAC | $55 | $11 | $66 | 0.14% |
| JANET A MARSHALL3 Filed as: JANET MARSHALL | 3169 S DAYTON CT DENVER, CO 80231 | AFLAC | $65 | — | $65 | 0.14% |
| ERIC GRACE3 | 10041 GRANITE HILL DR PARKER, CO 80134 | AFLAC | $54 | — | $54 | 0.12% |
| DAVID HANCOCK INC3 | PO BOX 423 LAVON, TX 75166 | AFLAC | $49 | — | $49 | 0.10% |
| SUSAN C BANKS3 Filed as: SUSAN BANKS | 604 WILLOWBROOK RD SILVERTHORNE, CO 80498 | AFLAC | $41 | — | $41 | 0.09% |
| JOHN THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $41 | — | $41 | 0.09% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $35 | — | $35 | 0.07% |
| THERESA CHAMBLISS3 | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $33 | — | $33 | 0.07% |
| CHRISTINA SHEPARD3 | PO BOX 4131 ENGLEWOOD, CO 80155 | AFLAC | $31 | — | $31 | 0.07% |
| TAMMY JOHNSON3 | 12010 W CHASE LN AVONDALE, AZ 85323 | AFLAC | $29 | — | $29 | 0.06% |
| LINDA M WALLACE-PESCHKA3 Filed as: LINDA WALLACE-PESCHKA | 16748 E SMOKY HILL RD UNIT 9C CENTENNIAL, CO 80015 | AFLAC | $28 | — | $28 | 0.06% |
| CAROL JANZ3 | 3913 FLORENTINE DR LONGMONT, CO 80503 | AFLAC | $25 | — | $25 | 0.05% |
| GARY GIARRATANO3 | 13309 W 73RD ST SHAWNEE, KS 66216 | AFLAC | $24 | — | $24 | 0.05% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $23 | — | $23 | 0.05% |
| ZENAT SHARIFF BELKIN3 Filed as: ZENAT BELKIN | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | AFLAC | $22 | — | $22 | 0.05% |
| DON C SUNDAY3 Filed as: DON SUNDAY | 2037 S GRAY DR LAKEWOOD, CO 80227 | AFLAC | $21 | — | $21 | 0.04% |
| KEN MAJOR3 | 30806 TELEGRAPH RD STE 1 950 BRINGHAM FARMS, MI 48025 | AFLAC | $20 | — | $20 | 0.04% |
| MATTHEW SMITH3 | 11829 OLDEGROVE PL TAMPA, FL 33617 | AFLAC | $20 | — | $20 | 0.04% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $15 | $4 | $19 | 0.04% |
| MARIE PHASON3 | 18091 E KEPNER DR AURORA, CO 80017 | AFLAC | $17 | — | $17 | 0.04% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $12 | $4 | $16 | 0.03% |
| SCOTT G GOFF3 Filed as: SCOTT GOFF | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $16 | — | $16 | 0.03% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $15 | — | $15 | 0.03% |
| JAMES M GARNER3 Filed as: JAMES GARNER | 7995 E PRENTICE AVE STE 106 GREENWOOD VILLAGE, CO 80111 | AFLAC | $14 | — | $14 | 0.03% |
| DENISE O'MALLEY3 | 2465 S JASMINE ST DENVER, CO 80222 | AFLAC | $14 | — | $14 | 0.03% |
| REGINO SANTANGELO3 | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | AFLAC | $14 | — | $14 | 0.03% |
| LINDSAY LIJEWSKI3 | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | AFLAC | $12 | — | $12 | 0.03% |
| STRATEGIC CONSULTANTS INC3 | PO BOX 630021 LITTLETON, CO 80163 | AFLAC | $11 | — | $11 | 0.02% |
| SKY FARRELL3 | 6000 E EVANS AVE STE 1-330 DENVER, CO 80222 | AFLAC | $10 | — | $10 | 0.02% |
| MARK BELKIN3 | 14204 W EVANS CIR LAKEWOOD, CO 80228 | AFLAC | $7 | — | $7 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD STE 393 WALNUT CREEK, CA 94598 | AFLAC | $3 | — | $3 | 0.01% |
| ERIC PATTI3 | 139 GRANITE PEAK DR BOZEMAN, MT 59718 | AFLAC | $2 | — | $2 | 0.00% |
| TANYA L MARTINSON3 Filed as: TANYA MARTINSON | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $1 | — | $1 | 0.00% |
| SARA BRIERY3 | 492 LAKEVIEW DR VILLA 40 PALM HARBOR, FL 34683 | AFLAC | $1 | — | $1 | 0.00% |
| STRATEGIC HR BENEFITS LLC3 | 600 SOUTH CHERRY ST STE 1221 DENVER, CO 80246 | BETA HEALTH ASSOCIATION, INC. | $3K | — | $3K | 7.60% |
| STRATEGIC HR BENEFITS LLC3 | 600 SOUTH CHERRY ST STE 1221 DENVER, CO 80246 | BETA HEALTH ASSOCIATION, INC. | $4 | — | $4 | 7.69% |
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 | 1,216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 642 | $5.5M |
| Dental(4 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 642 | $3.6M |
| Vision(2 contracts) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 642 | $3.6M |
| Life insurance(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 763 | $304K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 763 | $252K |
| Other(6 contracts, 4 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 763 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.