| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $10K | $32K | 20.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.63% |
| JENNIFER L FREEMAN3 | 4672 CHARING CT CASTLE ROCK, CO 80109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 10.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO, INC. | 4532 BOARDWALK DRIVE SUITE 200 FORT COLLINS, CO 80522 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.93% |
| JEREMY M EANES3 | 21729 E MERCER PL AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $681 | — | $681 | 1.09% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $505 | — | $505 | 0.81% |
| CLINTON ANDERSON3 | 6465 S GREENWOOD PLAZA BLVD SUITE 750 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $426 | — | $426 | 0.68% |
| LINDSAY A LIJEWSKI3 | 6500 S. QUEBEC ST. SUITE 250 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | — | $226 | 0.36% |
| BEVERLY L WEAVER3 | 3541 WINNEBAGO DR SEDALIA, CO 80135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | — | $221 | 0.35% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4635 SOUTHWEST ST FWY STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 0.29% |
| NICHOLAS A FREEMAN3 | 675 BISHOP PINE WAY CASTLE ROCK, CO 80104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 0.26% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.17% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.12% |
| TIFFANY ANNE KING3 Filed as: TIFFANY A KING | 1010 LAKE ST SUITE 430 OAK PARK, IL 60301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.05% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| SHANNON M CRAVOTTA3 | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
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 | 280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 280 | $2.0M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $157K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $157K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $220K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $220K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.