| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QBA BENEFITS LLC3 | 24610 DETROIT ROAD, SUITE 150 WESTLAKE, OH 44145 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $111K | $0 | $111K | 0.40% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $107K | $0 | $107K | 0.39% |
| QBA BENEFITS LLC3 | 3395 LAWTON LANE CLEVELAND, OH 44124 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $69K | $0 | $69K | 0.25% |
| QBA BENEFITS LLC3 | 24610 DETROIT ROAD, SUITE 150 WESTLAKE, OH 44145 | DELTA DENTAL OF COLORADO | $183K | $0 | $183K | 9.82% |
| ASSUREDPARTNERS3 | 1340 DEPOT STREET CLEVELAND, OH 44116 | DELTA DENTAL OF COLORADO | $15K | $0 | $15K | 0.82% |
| QBA BENEFITS LLC3 | 24610 DETROIT ROAD, SUITE 150 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $162K | $0 | $162K | 14.02% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES WAY, SUITE 300 RICHFIELD, OH 44286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $63K | $74K | 6.42% |
| PLANSOURCE BENEFITS ADMN INC3 Filed as: PLANSOURCE BENEFITS ADMN INC. | 701 XENIA AVENUE SOUTH, SUITE 150 MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $61K | $61K | 5.29% |
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 | 2,503 | 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) | 2,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 6,292 | $27.3M |
| Dental | DELTA DENTAL OF COLORADO | 6,173 | $1.9M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 6,292 | $27.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,461 | $1.2M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,461 | $1.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,461 | $1.2M |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 6,292 | $27.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,461 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,292 | — |
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.
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.