| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80222 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $223K | — | $223K | 2.57% |
| ASSUREDPARTNERS3 | 1340 DEPOT STREET CLEVELAND, OH 44116 | DELTA DENTAL OF COLORADO | $62K | — | $62K | 9.48% |
| ASSUREDPARTNERS3 | 1340 DEPOT STREET, SUITE 300 ROCKY RIVER, OH 44116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 8.19% |
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 | 986 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 2,867 | $8.7M |
| Dental | DELTA DENTAL OF COLORADO | 2,855 | $652K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 2,867 | $8.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 921 | $550K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 921 | $550K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 921 | $550K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 2,867 | $8.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 921 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,867 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.