| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC HR BENEFITS LLC3 | 650 SOUTH CHERRY STREET SUITE 1221 DENVER, CO 80246 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | $436K | — | $436K | 3.91% |
| 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 | — | $9K | $9K | 0.08% |
| STRATEGIC HR BENEFITS LLC3 | 650 SOUTH CHERRY STREET SUITE 800 DENVER, CO 80246 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $94K | — | $94K | 5.10% |
| 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 | $7K | — | $7K | 0.37% |
| STRATEGIC HR BENEFITS LLC3 Filed as: STRATEGIC HR BENEFITS | 650 SOUTH CHERRY STREET SUITE 1221 DENVER, CO 80246 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 9.27% |
| KRISTA K PRICE3 Filed as: KRISTA PRICE | 3864S SOUTH QUINCE STREET DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 7.98% |
| US NATIONAL BENEFIT PARTNERS WEST3 Filed as: US NATIONAL BENEFIT PARTNERS WEST I | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 4.53% |
| KRISTA K PRICE3 Filed as: KRISTA PRICE | 3864S SOUTH QUINCE STREET DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 8.47% |
| STRATEGIC HR BENEFITS LLC3 Filed as: STRATEGIC HR BENEFITS | 650 SOUTH CHERRY STREET SUITE 1221 DENVER, CO 80246 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 7.42% |
| US NATIONAL BENEFIT PARTNERS WEST3 Filed as: US NATIONAL BENEFIT PARTNERS WEST I | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.18% |
| KRISTA K PRICE3 Filed as: KRISTA PRICE | 3864S SOUTH QUINCE STREET DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 8.31% |
| STRATEGIC HR BENEFITS LLC3 Filed as: STRATEGIC HR BENEFITS | 650 S CHERRY STREET SUITE 1221 DENVER, CO 80246 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 7.28% |
| US NATIONAL BENEFIT PARTNERS WEST3 Filed as: US NATIONAL BENEFIT PARTNERS WEST I | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.12% |
| KRISTA K PRICE3 Filed as: KRISTA PRICE | 38648S SOUTH QUINCE STREET DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.39% |
| STRATEGIC HR BENEFITS LLC3 Filed as: STRATEGIC HR BENEFITS | 650 SOUTH CHERRY STREET SUITE 1221 DENVER, CO 80246 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 7.35% |
| US NATIONAL BENEFIT PARTNERS WEST3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.15% |
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 | 2,419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 1,371 | $13.0M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 1,371 | $11.2M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 1,371 | $11.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,245 | $528K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $285K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $285K |
| Other(6 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 2,245 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,245 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.