| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENVER MANAGEMENT ADVISORS3 Filed as: DENVER MANAGEMENT ADVISORS INC. | 5299 DTC BLVD., SUITE 425 GREENWOOD VILLAGE, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $65K | $0 | $65K | 5.08% |
| DENVER MANAGEMENT ADVISORS3 Filed as: DENVER MANAGEMENT ADVISOR | 5299 DTC BLVD SUITE 425 GREENWOOD VILLAGE, CO 80111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 6.00% |
| BENEFIT MALL3 | 4643 S ULSTER STREET SUITE 200 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $932 | $932 | 2.58% |
| DENVER MANAGEMENT ADVISORS3 Filed as: DENVER MANAGEMENT ADVISORS, INC. | 5299 DTC BLVD., SUITE 540 GREENWOOD VILLAGE, CO 80111 | EYEMED VISION CARE | $2K | $0 | $2K | 10.25% |
| DENVER MANAGEMENT ADVISORS3 | 5299 DTC BLVD SUITE 425 GREENWOOD VILLAGE, CO 80111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $948 | $0 | $948 | 6.00% |
| BENEFIT MALL3 | 4643 S ULSTER STREET SUITE 200 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51 | $380 | $431 | 2.73% |
| DENVER MANAGEMENT ADVISORS3 | 5299 DTC BLVD SUITE 425 GREENWOOD VILLAGE, CO 80111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $276 | $0 | $276 | 6.00% |
| BENEFIT MALL3 | 4643 S ULSTER STREET SUITE 200 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $120 | $120 | 2.61% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $1.3M |
| Vision | EYEMED VISION CARE | 206 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 23 | $16K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $1.3M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.