| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 7.12% |
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA INTREPID 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | PRINCIPAL LIFE INSURANCE COMPAY | $18K | $5K | $23K | 13.35% |
| ROGERS BENEFIT GROUP INC3 Filed as: M ROGERS GROUP LLC | PO BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $561 | — | $561 | 13.97% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SER | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $458 | — | $458 | 11.40% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPAY | 95 | $169K |
| Vision | PRINCIPAL LIFE INSURANCE COMPAY | 95 | $169K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPAY | 95 | $169K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPAY | 95 | $169K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPAY | 95 | $169K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $469K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPAY | 95 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.