| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CINDY D MYERS Filed as: CINDY MYERS | 1805 S BELLAIRE ST STE 185 DENVER, CO 80222 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $75K | — | $75K | 1.04% |
| BENEFITS BROKER INC | 20 CLUB MANOR DRIVE UNIT A PUEBLO, CO 81008 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 3.37% |
| CINDY D MYERS Filed as: CINDY MYERS | 1805 S BELLAIRE ST STE 185 DENVER, CO 80222 | EYEMED | $6K | — | $6K | 10.73% |
| CINDY D MYERS Filed as: CINDY MYERS | 1805 S BELLAIRE ST STE 185 DENVER, CO 80222 | EYE MED COBRA | $75 | — | $75 | 10.32% |
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 | 1,285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,285 | $7.2M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,285 | $7.2M |
| Vision(2 contracts, 2 carriers) | EYEMED | 1,084 | $59K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 89 | $574K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 89 | $574K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 89 | $574K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 89 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,285 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.