| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 5990 GREENWOOD PLAZA BOULEVARD SUITE 250 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $48K | $823 | $49K | 3.51% |
| MACARIO CORPORATION3 | 15400 28TH AVENUE NORTH, SUITE 200 PLYMOUTH, MN 55447 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $24 | $33K | 10.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $41 | $14K | 4.37% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.54% |
| USI INSURANCE SERVICES LLC3 | 5500 CENEX DRIVE INVER GROVE, MN 55077 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.40% |
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 | 1,571 | 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) | 1,571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 221 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 616 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,571 | $319K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,571 | $319K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,571 | $319K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 221 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,571 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,571 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.