| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ORADO, INC. BROWN & BROWN OF COLORA | 675 SNAP DRAGON WAY UNIT 200 STEAMBOAT SPRINGS, CO 80487 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 9.88% |
| JENNIFER L FREEMAN3 | 4672 CHARING CT CASTLE ROCK, CO 80109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.05% |
| NICHOLAS A FREEMAN3 | 675 BISHOP PINE WAY CASTLE ROCK, CO 80104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.13% |
| LINDSAY A LIJEWSKI3 | 6500 S. QUEBEC ST. SUITE 250 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.62% |
| BEVERLY L WEAVER3 | 3541 WINNEBAGO DR SEDALIA, CO 80135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.21% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $798 | — | $798 | 1.31% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $730 | — | $730 | 1.20% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $561 | — | $561 | 0.92% |
| CE AGCY LLC KIEFER GROUP INSURANCE3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | — | $357 | 0.59% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | — | $266 | 0.44% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $256 | — | $256 | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO, INC. | 1660 S ALBION ST STE 525 DENVER, CO 80222 | UNION SECURITY INSURANCE COMPANY | $2K | $25 | $2K | 8.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO, INC. | 1660 S ALBION ST STE 525 DENVER, CO 80222 | UNITED DENTAL CARE OF COLORADO, INC. | $1K | $10 | $1K | 8.23% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 249 | $1.1M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 73 | $42K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 157 | $61K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 157 | $61K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 157 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.