| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC HR BENEFITS LLC3 | 600 SOUTH CHERRY STREET SUITE 800 DENVER, CO 80246 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | $239K | — | $239K | 4.67% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | — | $20K | $20K | 0.39% |
| STRATEGIC HR BENEFITS LLC3 | 600 SOUTH CHERRY STREET SUITE 800 DENVER, CO 80246 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $99K | $584 | $100K | 5.49% |
| 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 | $20K | — | $20K | 1.09% |
| JEFFREY P PRICE3 Filed as: JEFFREY PRICE | 3864 S QUINCE ST DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 4.86% |
| STRATEGIC HR BENEFITS LLC3 | 600 S CHERRY ST STE 800 DENVER, CO 80246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 4.09% |
| KRISTA K PRICE3 | 3864 S QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.53% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 S QUATAR ST AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.37% |
| KATIE J FLETCHER3 | 9247 N MERIDIAN INDIANAPOLIS, ID 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.89% |
| J MERRITT MCDOLE3 | 6059 S QUEBEC ST STE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $762 | — | $762 | 0.42% |
| JACOB O STENE3 | 9297 PTARMIGA NORTH TRAIL LONE TREE, CO 80124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $602 | — | $602 | 0.33% |
| NICOLETTE R POWELL3 | 7995 SOUTH PRENTICE AVENUE #106 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $393 | — | $393 | 0.21% |
| TIMOTHY B ASBY3 | 9247 MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $366 | — | $366 | 0.20% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 0.14% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 S MILONA DR DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | — | $167 | 0.09% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.09% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.07% |
| CHERIE L VAUGHAN3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 0.07% |
| REGINA K SANTANGELO3 | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.05% |
| MISTY M KRUG3 Filed as: MISTY KRUG | 1686 CHRISTENSEN ROAD MOUNT HOME, AR 72653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.04% |
| ZENAT SHARIFF BELKIN3 Filed as: ZENAT S BELKIN | 14204 W EVANS CIR LAKEWOOD, CO 80228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.03% |
| JANET A MARSHALL3 | 3169 S DAYTON CT DENVER, CO 80231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| CHRISTINA SHEPARD3 | 6059 S QUEBEC ST STE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| ROGER CURTIS POWELL3 Filed as: ROGER C POWELL | 1395 FARNHAM PT APARTMENT 208 COLORADO SPRING, CO 80904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| SUE MCFADDEN3 Filed as: SUE A MCFADDEN | 9304 W HINSDALE PL LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| MELISSA B BOYLE3 | 14301 NORTH 87TH STREET SUITE 313 SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| VALINDA R ANTHONY3 | 19680 CLUBHOUSE DRIVE APARTMENT 230 PARKER, CO 80138 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| COLORADO INSURANCE COUNSELORS INC3 | 925 S NIAGARA ST STE 610 DENVER, CO 80224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| LISA M HALL3 | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| GARY GIARRATANO3 | 13309 W 73RD ST SHAWNEE, KS 66216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| STEVEN T PIERSON3 | 3776 OAKWOOD DR LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| HOLLY HALL3 | 8601 N TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINGTON HILLS, MI 48334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 11829 OLDEGROVE PLACE TAMPA, FL 33617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| JAMED D RUDER3 | 412 W MAIN ST BROWFIELD, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| SKY FARRELL3 Filed as: SKY T FARRELL | 6000 E EVANS AVE STE 1-330 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| LAUREN C ANDERSON3 | PO BOX 18298 AVON, CO 81632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| LINDSAY A LIJEWSKI3 | 5894 E CALEY AVE CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WENDY G WITUCKI3 | 9034 EAST EASTER PLACE SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| KENT HORSMAN3 Filed as: KENT J HORSMAN | 14162 LADUE RD CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | 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% |
| STRATEGIC HR BENEFITS LLC3 | 650 SOUTH CHERRY STREET SUITE 1221 DENVER, CO 80246 | BETA HEALTH ASSOCIATION, INC. | $3K | — | $3K | 7.60% |
| JEFFREY P PRICE3 Filed as: JEFFREY P PRINCE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.76% |
| STRATEGIC HR BENEFITS LLC3 | 650 SOUTH CHERRY STREET SUITE 1221 DENVER, CO 80246 | BETA HEALTH ASSOCIATION, INC. | $27 | — | $27 | 7.74% |
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 | 1,651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 850 | $7.1M |
| Dental(3 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 850 | $5.2M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 850 | $5.1M |
| Life insurance(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,039 | $281K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 860 | $203K |
| Other(3 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 1,039 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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.