| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE FL 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $329K | $329K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $60K | — | $60K | 1.97% |
| AON CONSULTING INC3 | 111 MARKET PL CANDLER BLDG BALTIMORE, MD 21202 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 0.86% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $104K | — | $104K | 5.48% |
| AON CONSULTING INC3 | 111 MARKET PL CANDLER BLDG BALTIMORE, MD 21202 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 1.11% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXIR INSURANCE COMPANY | $65K | — | $65K | 6.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 E. RANDOLPH ST. CHICAGO, IL 60601 | ELIXIR INSURANCE COMPANY | $43K | — | $43K | 4.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $340 | $340 | 1.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSPITAL & MEDICAL EIN 84-0747736 | Claims processing; Other services; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $4.6M |
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 | 5,672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 500 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 676 | $5.8M |
| Dental(4 contracts, 4 carriers) | AMERITAS LIFE INSURANCE CORP. | 772 | $864K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 5,800 | $1.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 6,221 | $3.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,734 | $1.9M |
| Prescription drug | ELIXIR INSURANCE COMPANY | 490 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,108 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,221 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.