| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CO LLC | 1873 S BELLAIRE STREET SUITE 600 DENVER, CO 80222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $34K | $41K | 4.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 4851 LBJ FWY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $23K | $23K | 2.68% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES LLC | 8055 E TUFTS AVE SUITE 600 DENVER, CO 80222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $965 | $9K | $10K | 1.14% |
| THOMAS J SISK & CO. INC.3 Filed as: THOMAS J SISK & CO INC. | 1700 BROADWAY SUITE 1000 DENVER, CO 80290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.00% |
| THOMAS J SISK & CO. INC.3 Filed as: THOMAS J SISK & CO., INC. | 1700 BROADWAY, SUITE 1000 DENVER, CO 80290 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $5K | $219 | $5K | 673.04% |
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 | 105 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $852K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $851K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $852K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.