| 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 | $346K | — | $346K | 5.05% |
| 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 | — | $8K | $8K | 0.12% |
| STRATEGIC HR BENEFITS LLC3 | 600 SOUTH CHERRY STREET SUITE 800 DENVER, CO 80246 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $89K | $436 | $89K | 4.99% |
| 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 | $10K | — | $10K | 0.54% |
| JEFFREY P PRICE3 Filed as: JEFFREY P PRINCE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.66% |
| JEFFREY P PRICE3 Filed as: JEFFREY PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | AFLAC | $185 | — | $185 | 0.98% |
| KRISTA K PRICE3 Filed as: KRISTA PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | AFLAC | $160 | — | $160 | 0.84% |
| SUE MCFADDEN3 | 9304 WEST HINSDALE PLACE LITTLETON, CO 80128 | AFLAC | $143 | — | $143 | 0.75% |
| LARMON PESCHKA3 | 16748 EAST SMOKY HILL ROAD UNIT 9C AURORA, CO 80128 | AFLAC | $119 | — | $119 | 0.63% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $102 | — | $102 | 0.54% |
| KATIE J FLETCHER3 Filed as: KATIE FLETCHER | 21263 STATE HIGHWAY 148 MARYVILLE, MO 64468 | AFLAC | $93 | — | $93 | 0.49% |
| COLORADO INSURANCE COUNSELORS INC3 Filed as: COLORADO INS COUNSELORS INC | 6050 EAST 1ST AVENUE DENVER, CO 80220 | AFLAC | $74 | — | $74 | 0.39% |
| VALINDA R ANTHONY3 Filed as: VALINDA ANTHONY | 22308 QUAIL RUN WAY PARKER, CO 80138 | AFLAC | $73 | — | $73 | 0.38% |
| CHARLES TUCKER3 | 21431 WOODVILLE LANE LEAD, SD 57754 | AFLAC | $60 | — | $60 | 0.32% |
| NANCY HARMON3 | PO BOX 601 HUNTSVILLE, UT 84317 | AFLAC | $60 | — | $60 | 0.32% |
| JONATHAN KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $53 | — | $53 | 0.28% |
| ERIC GRACE3 | 10041 GRANITE HILL DRIVE PARKER, CO 80134 | AFLAC | $48 | — | $48 | 0.25% |
| STRATEGIC HR BENEFITS LLC3 | 650 SOUTH CHERRY STREET SUITE 1221 DENVER, CO 80246 | AFLAC | $43 | — | $43 | 0.23% |
| MISTY M KRUG3 Filed as: MISTY KRUG | 2774 DEPEW STREET WHEAT RIDGE, CO 80214 | AFLAC | $37 | — | $37 | 0.20% |
| ROGER CURTIS POWELL3 Filed as: ROGER POWELL | 6698 LUCKY STAR LANE COLORADO SPRINGS, CO 80923 | AFLAC | $34 | — | $34 | 0.18% |
| LISA A PERRI3 Filed as: LISA PERRY | 1300 WEST 12TH AVENUE BROOMFIELD, CO 80020 | AFLAC | $30 | — | $30 | 0.16% |
| STEVEN T PIERSON3 Filed as: STEVEN PIERSON | 3776 OAKWOOD DRIVE LONGMONT, CO 80503 | AFLAC | $29 | — | $29 | 0.15% |
| HOLLY HALL3 | 505 NORTH ARGONNE ROAD BUILDING C SPOKANE VALLEY, WA 99212 | AFLAC | $29 | — | $29 | 0.15% |
| KATHERINE ANDERSON3 | 2050 EAST 101ST COURT THORNTON, CO 80229 | AFLAC | $28 | — | $28 | 0.15% |
| DAVID HANCOCK INC3 | PO BOX 423 LAVON, TX 75166 | AFLAC | $27 | — | $27 | 0.14% |
| CAROL JANZ3 | 4935 SAINT ANDREWS COURT LOVELAND, CO 80537 | AFLAC | $23 | — | $23 | 0.12% |
| GARY GIARRATANO3 Filed as: GARY GAIRRATANO | 13309 WEST 73RD STREET SHAWNEE, KS 66216 | AFLAC | $22 | — | $22 | 0.12% |
| TAMMY JOHNSON3 | 12010 WEST CHASE LANE AVONDALE, AZ 85323 | AFLAC | $22 | — | $22 | 0.12% |
| JOSE DE LOS SANTOS III3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $22 | — | $22 | 0.12% |
| LISA HALL3 | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $21 | — | $21 | 0.11% |
| JOHN THOMPSON3 | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $20 | — | $20 | 0.11% |
| LINDA M WALLACE-PESCHKA3 Filed as: LINDA WALLACE-PESCHKA | 16748 EAST SMOKY HILL ROAD UNITE 0C CENTENNIAL, CO 80015 | AFLAC | $20 | — | $20 | 0.11% |
| MATTHEW SMITH3 | 8805 SOUTHWEST 9TH STREET ROAD OCALA, FL 34481 | AFLAC | $18 | — | $18 | 0.09% |
| MARIE PHASON3 | 18091 EAST KEPNER DRIVE AURORA, CA 80017 | AFLAC | $16 | — | $16 | 0.08% |
| KEN MAJOR3 | 2211 MICHELSON DRIVE SUITE 1150 IRVINE, CA 92612 | AFLAC | $14 | — | $14 | 0.07% |
| ALAN LECLAIRE3 | 28 GEORGETOWN FORT MYERS, FL 33919 | AFLAC | $14 | — | $14 | 0.07% |
| TINA WAY3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $14 | — | $14 | 0.07% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $13 | — | $13 | 0.07% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DRIVE BOULDER, CT 80304 | AFLAC | $12 | — | $12 | 0.06% |
| LINDSAY LIJEWSKI3 | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $11 | — | $11 | 0.06% |
| SKY FARRELL3 | 6000 EAST EVANS AVENUE SUITE 1-330 DENVER, CO 80222 | AFLAC | $10 | — | $10 | 0.05% |
| DENISE O'MALLEY3 | 2465 SOUTH JASMINE STREET DENVER, CO 80222 | AFLAC | $9 | — | $9 | 0.05% |
| JAMES M GARNER3 Filed as: JAMES GARNER | 1301 ARAPAHOE STREET SUITE 105 GOLDEN, CO 80401 | AFLAC | $9 | — | $9 | 0.05% |
| CHRISTINA SHEPARD3 | 10286 RIFLE STREET COMMERCE CITY, CO 80022 | AFLAC | $9 | — | $9 | 0.05% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON FARRIS WEDELBERGER | 207 SANTE FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $6 | — | $6 | 0.03% |
| J MERRITT MCDOLE3 | 12120 SOUTHWEST FOOTHILL DRIVE PORTLAND, OR 97225 | AFLAC | $6 | — | $6 | 0.03% |
| TANYA L MARTINSON3 Filed as: TANYA MARTINSON | 6395 SOUTH KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $2 | — | $2 | 0.01% |
| 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 | 1,802 | 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) | 1,826 | 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 | 959 | $8.8M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 959 | $6.9M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 959 | $6.9M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,472 | $137K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $125K |
| Other(3 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 1,472 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,472 | — |
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.