| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $14K | $3 | $14K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | DELTA DENTAL OF COLORADO | $30K | — | $30K | 4.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | VISION SERVICE PLAN | $5K | — | $5K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | METLIFE LEGAL PLANS | $2K | $176 | $3K | 11.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD 14TH FLOOR CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $127 | $127 | 0.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD 14TH FLOOR CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 68.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $518 | — | $518 | 11.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1900 16TH ST. #100 DENVER, CO 80202 | FEDERAL INSURANCE COMPANY | $384 | — | $384 | 14.99% |
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 | 1,387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 180 | $856K |
| Dental | DELTA DENTAL OF COLORADO | 1,942 | $698K |
| Vision | VISION SERVICE PLAN | 962 | $93K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,487 | $681K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,487 | $686K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,487 | $681K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,487 | $728K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,487 | — |
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.