| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 GRANT STREET SUITE 650 DENVER, CO 80203 | DELTA DENTAL OF COLORADO | $20K | — | $20K | 10.00% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $875 | $5K | 11.19% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.97% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FREEWAY SUITE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $500 | $500 | 1.23% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $839 | $4K | 11.19% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CA 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FREEWAY SUITE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $480 | $480 | 1.24% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.99% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 13.57% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.98% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FREEWAY SUITE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $378 | $378 | 1.23% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $374 | $2K | 9.70% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FREEWAY SUITE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $214 | $214 | 1.06% |
| ROGERS BENEFIT GROUP INC4 Filed as: MICHAEL J ROGERS | PO BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 14.30% |
| PATRIOT GROWTH INSURANCE SERVICES4 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 11.17% |
| MARK E SULLIVAN4 | 9211 FOREST CREEK DRIVE TOMBALL, TX 77375 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $42 | — | $42 | 0.37% |
| MICHAEL P NORRIS4 Filed as: MICHAEL C ZIMMERMAN | 12 BENTON BOULEVARD SHREVEPORT, FL 32439 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | — | $32 | 0.28% |
| RHONA S UNSELL INC4 | 6525 GUNPARK DRIVE SUITE 370-152 BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | — | $27 | 0.24% |
| STANLEY POLSON3 | PO BOX 96 FORT WALTON BEACH, FL 32549 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | — | $22 | 0.19% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 658 | $204K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 552 | $34K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 374 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 374 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 374 | $31K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 374 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.