| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $26K | $0 | $26K | 3.17% |
| VINCENT N. BAXTER3 Filed as: VINCENT BAXTER | 1101 SOUTH WINCHESTER BOULEVARD SUITE M-259 SAN JOSE, CA 95128 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $15K | $0 | $15K | 1.83% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 6143 SOUTH WILLOW DRIVE, SUITE 200 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | $0 | $3K | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD SUITE 100 ROCHESTER, NY 14618 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 6.12% |
| VINCENT N. BAXTER3 | 1101 SOUTH WINCHESTER BOULEVARD SUITE M-259 SAN JOSE, CA 95128 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $0 | $20K | 4.33% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 6143 SOUTH WILLOW DRIVE, SUITE 200 GREENWOOD VILLAGE, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.39% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.98% |
| VINCENT N. BAXTER3 Filed as: VINCENT NICHOLAS BAXTER | 1101 SOUTH WINCHESTER BOULEVARD SUITE M-259 SAN JOSE, CA 95128 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.18% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 163 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $254K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $254K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $254K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $254K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $254K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 163 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.