| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C GERALI3 | 355 SOUTH TELLER STREET #200 LAKEWOOD, CO 80226 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $27K | — | $27K | 3.44% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $6K | $28 | $6K | 0.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $6K | — | $6K | 0.78% |
| MICHAEL GERALI3 | 5200 SOUTH ULSTER STREET APARTMENT 1819 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $13K | — | $13K | 11.34% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 1.63% |
| MICHAEL C GERALI3 | 355 SOUTH TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANE SERVICES LLC | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 DENVER, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.27% |
| US INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.17% |
| MICHAEL C GERALI3 | 355 SOUTH TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANE SERVICES LLC | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 DENVER, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.47% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $528 | $528 | 1.49% |
| MICHAEL C GERALI3 | 355 SOUTH TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | UNUM INSURANCE COMPANY | $1K | — | $1K | 4.98% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 DENVER, CO 80111 | UNUM INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | — | $2 | $2 | 0.01% |
| MICHAEL C GERALI3 | 355 SOUTH TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | UNUM INSURANCE COMPANY | $2K | — | $2K | 9.23% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 DENVER, CO 80111 | UNUM INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | — | $2 | $2 | 0.01% |
| MICHAEL C GERALI3 | 355 SOUTH TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | UNUM INSURANCE COMPANY | $1K | — | $1K | 9.04% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | UNUM INSURANCE COMPANY | $383 | — | $383 | 2.37% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $198 | — | $198 | 1.22% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | — | $77 | $77 | 0.48% |
| MICHAEL C GERALI3 | 355 SOUTH TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 8.51% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 DENVER, CO 80111 | STARMOUNT LIFE INSURANCE COMPANY | $429 | — | $429 | 3.49% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | STARMOUNT LIFE INSURANCE COMPANY | — | $179 | $179 | 1.46% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $179 | — | $179 | 1.46% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 178 | $789K |
| Dental | DELTA DENTAL OF COLORADO | 216 | $115K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 122 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $128K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $92K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $92K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.