| 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 | $461K | — | $461K | 6.13% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | — | $12K | $12K | 0.16% |
| STRATEGIC HR BENEFITS LLC3 | 600 SOUTH CHERRY STREET SUITE 800 DENVER, CO 80246 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $89K | $2K | $91K | 5.09% |
| 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 | $18K | — | $18K | 1.00% |
| KRISTA K PRICE3 | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 8.15% |
| STRATEGIC HR BENEFITS LLC3 | 600 SOUTH CHERRY STREET SUITE 800 DENVER, CO 80246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 7.29% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.30% |
| KRISTA K PRICE3 | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.12% |
| JEFFREY P PRICE3 Filed as: JEFFREY PRICE | 3864 SOUTH QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.17% |
| KATIE J FLETCHER3 | 9247 NORTH MERIDIAN INDIANAPOLIS, ID 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.49% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $969 | — | $969 | 0.41% |
| J MERRITT MCDOLE3 | 12120 SOUTHWEST FOOTHILL DRIVE PORTLAND, OR 97225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $393 | — | $393 | 0.17% |
| TIMOTHY B ASBY3 | 9247 MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $269 | — | $269 | 0.12% |
| MELISSA B BOYLE3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | — | $261 | 0.11% |
| JACOB O STENE3 | 9297 PTARMIGAN TRAIL LONE TREE, CO 80124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 0.08% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 0.07% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | — | $110 | 0.05% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.04% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.04% |
| JANET A MARSHALL3 | 3169 SOUTH DAYTON COURT DENVER, CO 80231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.02% |
| REGINA K SANTANGELO3 | 9034 EAST EASTER SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.02% |
| MISTY M KRUG3 Filed as: MISTY KRUG | 1686 CHRISTENSEN ROAD MOUNT HOME, AR 72653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| ZENAT SHARIFF BELKIN3 Filed as: ZENAT S BELKIN | 14204 WEST EVANS CIRCLE LAKEWOOD, CO 80228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| SUE MCFADDEN3 Filed as: SUE A MCFADDEN | 9304 WEST HINSDALE PLACE LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| ROGER CURTIS POWELL3 Filed as: ROGER C POWELL | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| COLORADO INSURANCE COUNSELORS INC3 | 925 SOUTH NIAGARA STREET SUITE 610 DENVER, CO 80224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| CHRISTINA L SHEPARD3 | 14143 DENVER WEST PARKWAY SUITE 100 LAKEWOOD, CO 80401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| VALINDA R ANTHONY3 | 19680 CLUBHOUSE DRIVE APARTMENT 230 PARKER, CO 80138 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| LISA M HALL3 | 2542 EAST SUNDOWN DRIVE COEUR DARLENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| GARY GIARRATANO3 | 13309 WEST 73RD STREET SHAWNEE, KS 66216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 8452 FREDERICSBURG ROAD SAN ANTOINO, TX 78229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| STEVEN T PIERSON3 | 3776 OAKWOOD DRIVE LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| HOLLY HALL3 | 2545 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINGTON HILLS, MI 48334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 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% |
| CHERIE L VAUGHAN3 | 8330 QUINCY AVENUE APARTMENT 208 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ROGER CURTIS POWELL3 Filed as: ROGER C POWELL | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| NICOLETTE R POWELL3 | 784 GATES MILLS DRIVE APARTMENT 302 FORT MILL, SC 29708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JEFFREY P PRICE3 Filed as: JEFFREY P PRINCE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.30% |
| JEFFREY P PRICE3 Filed as: JEFFREY PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | AFLAC | $279 | — | $279 | 0.97% |
| KRISTA K PRICE3 Filed as: KRISTA PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | AFLAC | $256 | — | $256 | 0.89% |
| STRATEGIC HR BENEFITS LLC3 | 650 SOUTH CHERRY STREET SUITE 1221 DENVER, CO 80246 | AFLAC | $190 | — | $190 | 0.66% |
| SUE MCFADDEN3 | 9304 WEST HINSDALE PLACE LITTLETON, CO 80128 | AFLAC | $169 | — | $169 | 0.58% |
| LARMON PESCHKA3 | 16748 EAST SMOKY HILL ROAD UNIT 9C AURORA, CO 80015 | AFLAC | $165 | — | $165 | 0.57% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $159 | — | $159 | 0.55% |
| KATIE J FLETCHER3 Filed as: KATIE FLETCHER | 21263 STATE HIGHWAY 148 MARYVILLE, MO 64468 | AFLAC | $157 | — | $157 | 0.54% |
| CHARLES TUCKER3 | 67843 EAST 48TH AVENUE BYERS, CO 80103 | AFLAC | $130 | — | $130 | 0.45% |
| VALINDA R ANTHONY3 Filed as: VALINDA ANTHONY | 22308 QUAIL RUN WAY PARKER, CO 80138 | AFLAC | $107 | — | $107 | 0.37% |
| COLORADO INSURANCE COUNSELORS INC3 Filed as: COLORADO INS COUNSELORS INC | 6050 EAST 1ST AVENUE DENVER, CO 80220 | AFLAC | $100 | — | $100 | 0.35% |
| JONATHAN KIRKLAND3 | 820 ARONSON LAKE COURT ROSWELL, GA 30075 | AFLAC | $82 | — | $82 | 0.28% |
| NANCY HARMON3 | PO BOX 601 HUNTSVILLE, UT 84317 | AFLAC | $72 | — | $72 | 0.25% |
| ERIC GRACE3 | 10041 GRANITE HILL DRIVE PARKER, CO 80134 | AFLAC | $66 | — | $66 | 0.23% |
| DAVID HANCOCK INC3 | PO BOX 423 LAVON, TX 75166 | AFLAC | $52 | — | $52 | 0.18% |
| MISTY M KRUG3 Filed as: MISTY KRUG | 2774 DEPEW STREET WHEAT RIDGE, CO 80214 | AFLAC | $43 | — | $43 | 0.15% |
| ROGER CURTIS POWELL3 Filed as: ROGER POWELL | 5637 SHAMROCK HEIGHTS COLORADO SPRING, CO 80923 | AFLAC | $40 | — | $40 | 0.14% |
| JOSE DE LOS SANTOS III3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $36 | — | $36 | 0.12% |
| LISA A PERRI3 Filed as: LISA PERRY | 1300 WEST 12TH AVENUE BROOMFIELD, CO 80020 | AFLAC | $36 | — | $36 | 0.12% |
| STEVEN T PIERSON3 Filed as: STEVEN PIERSON | 3776 OAKWOOD DRIVE LONGMONT, CO 80503 | AFLAC | $35 | — | $35 | 0.12% |
| HOLLY HALL3 | 505 NORTH ARGONNE ROAD BUILDING C SPOKANE VALLEY, WA 99212 | AFLAC | $35 | — | $35 | 0.12% |
| JOHN THOMPSON3 | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $34 | — | $34 | 0.12% |
| KATHERINE ANDERSON3 | 2050 EAST 101ST COURT THORNTON, CO 80229 | AFLAC | $33 | — | $33 | 0.11% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 11747 SOUTH SUN TEA WAY SOUTH JORDAN, UT 84009 | AFLAC | $32 | — | $32 | 0.11% |
| MATTHEW SMITH3 | 8452 FREDERICKSBURG ROAD SAN ANTONIO, TX 78229 | AFLAC | $28 | — | $28 | 0.10% |
| CAROL JANZ3 | 4935 SAINT ANDREWS COURT LOVELAND, CO 80537 | AFLAC | $27 | — | $27 | 0.09% |
| GARY GIARRATANO3 | 13309 WEST 73RD STREET SHAWNEE, KS 66216 | AFLAC | $27 | — | $27 | 0.09% |
| TAMMY JOHNSON3 | 12010 WEST CHASE LANE AVONDALE, AZ 85323 | AFLAC | $26 | — | $26 | 0.09% |
| TINA WAY3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $25 | — | $25 | 0.09% |
| LISA HALL3 | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $25 | — | $25 | 0.09% |
| LINDA M WALLACE-PESCHKA3 Filed as: LINDA WALLACE-PESCHKA | 16748 EAST SMOKY HILL ROAD UNIT 9C CENTENNIAL, CO 80015 | AFLAC | $23 | — | $23 | 0.08% |
| J MERRITT MCDOLE3 | 12120 SOUTHWEST FOOTHILL DRIVE PORTLAND, OR 97225 | AFLAC | $23 | — | $23 | 0.08% |
| JOYCE BERGER3 | 3644 EAST ELLSWORTH AVENUE DENVER, CO 80209 | AFLAC | $22 | — | $22 | 0.08% |
| MARIE PHASON3 | 18091 EAST KEPNER DRIVE AURORA, CO 80017 | AFLAC | $18 | — | $18 | 0.06% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $18 | — | $18 | 0.06% |
| KEN MAJOR3 | 2211 MICHELSON DRIVE SUITE 1150 IRVINE, CA 92612 | AFLAC | $16 | — | $16 | 0.06% |
| DENISE O'MALLEY3 | 2465 SOUTH JASMINE STREET DENVER, CO 80222 | AFLAC | $15 | — | $15 | 0.05% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DRIVE BOULDER, CO 80304 | AFLAC | $14 | — | $14 | 0.05% |
| JANET A MARSHALL3 Filed as: JANET MARSHALL | 3169 SOUTH DAYTON COURT DENVER, CO 80231 | AFLAC | $14 | — | $14 | 0.05% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIRCLE ESTERO, FL 33928 | AFLAC | $12 | — | $12 | 0.04% |
| SKY FARRELL3 | 6000 EAST EVANS AVENUE SUITE 1-330 DENVER, CO 80222 | AFLAC | $11 | — | $11 | 0.04% |
| JAMES M GARNER3 Filed as: JAMES GARNER | 1301 ARAPAHOE STREET SUITE 105 GOLDEN, CO 80401 | AFLAC | $11 | — | $11 | 0.04% |
| GARY GIARRATANO3 | 13309 WEST 73RD STREET SHAWNEE, KS 66216 | AFLAC | $11 | — | $11 | 0.04% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $9 | — | $9 | 0.03% |
| LINDSAY LIJEWSKI3 | 6500 SOUTH QUEBEC STREET SUITE 250 CENTENNIAL, CO 80111 | AFLAC | $7 | — | $7 | 0.02% |
| CHRISTINA SHEPARD3 | PO BOX 4131 ENGLEWOOD, CO 80155 | AFLAC | $6 | — | $6 | 0.02% |
| LINDSAY A LIJEWSKI3 | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $6 | — | $6 | 0.02% |
| TANYA L MARTINSON3 Filed as: TANYA MARTINSON | 6395 SOUTH KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $5 | — | $5 | 0.02% |
| CHRISTINA SHEPARD3 Filed as: CHRISTINA LYNN SHEPARD | 10286 RIFLE STREET COMMERCE CITY, CO 80022 | AFLAC | $5 | — | $5 | 0.02% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIRCLE ESTERO, FL 33928 | AFLAC | $5 | — | $5 | 0.02% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $2 | — | $2 | 0.01% |
| SARA BRIERY3 | 4 MARBURG LANE SAVANNAH, GA 31411 | AFLAC | $2 | — | $2 | 0.01% |
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 | 1,902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,926 | 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 | 1,115 | $9.5M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 1,115 | $7.5M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 1,115 | $7.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,685 | $152K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,287 | $285K |
| Other(4 contracts, 4 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 1,685 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,685 | — |
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.