| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROPER INSURANCE & FINANCIAL SVCS.3 Filed as: ROPER INSURANCE AND FINANCIAL SERVI | 9559 S KINGSTON COURT ENGLEWOOD, CO 80112 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $0 | $4K | $4K | 0.36% |
| 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 | $3K | — | $3K | 7.44% |
| JENNIFER L FREEMAN3 | 4672 CHARING CT CASTLE ROCK, CO 80109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.09% |
| SHANNON M CRAVOTTA3 | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.74% |
| LINDSAY A LIJEWSKI3 | 6500 S. QUEBEC ST. SUITE 250 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646 | — | $646 | 1.40% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $595 | — | $595 | 1.29% |
| CE AGCY LLC KIEFER GROUP INSURANCE3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $502 | — | $502 | 1.09% |
| NICHOLAS A FREEMAN3 | 675 BISHOP PINE WAY CASTLE ROCK, CO 80104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | — | $323 | 0.70% |
| BEVERLY L WEAVER3 | 3541 WINNEBAGO DR SEDALIA, CO 80135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $315 | — | $315 | 0.68% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 0.63% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $264 | — | $264 | 0.57% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $176 | — | $176 | 0.38% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO, INC. | 2170 S PARKER RD STE 251 DENVER, CO 80231 | UNION SECURITY INSURANCE COMPANY | $3K | $15 | $3K | 10.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO, INC. | 2170 S PARKER RD STE 251 DENVER, CO 80231 | UNITED DENTAL CARE OF COLORADO, INC. | $1K | — | $1K | 10.00% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 242 | $1.1M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 65 | $41K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 157 | $46K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 157 | $46K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 157 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.