| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CINDY D MYERS Filed as: CINDY MYERS EIDE | 1805 S BELLAIRE ST SUITE 185 DENVER, CO 80222 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $64K | — | $64K | 0.99% |
| CINDY D MYERS Filed as: CINDY MYERS EIDE | 1805 S BELLAIRE ST SUITE 185 DENVER, CO 80222 | BLUE CROSS BLUE SHIELD OF IL | $0 | $0 | $0 | 0.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $636 | $636 | 0.30% |
| AON CONSULTING INC Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $122 | $122 | 0.11% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $255 | — | $255 | 0.28% |
| CINDY D MYERS Filed as: CINDY MYERS EIDE | 1805 S BELLAIRE ST SUITE 185 DENVER, CO 80222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| CINDY D MYERS Filed as: CINDY MYERS EIDE | 1805 S BELLAIRE ST SUITE 185 DENVER, CO 80222 | FIDELITY SECURITY LIFE NSURANCE COMPANY | $5K | — | $5K | 9.11% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE NSURANCE COMPANY | $440 | — | $440 | 0.86% |
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 | 1,444 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,444 | $6.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF IL | 1,458 | $484K |
| Vision | FIDELITY SECURITY LIFE NSURANCE COMPANY | 1,201 | $51K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 699 | $302K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 699 | $211K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,444 | $6.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 689 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,458 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.