| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COOK & ASSOCIATES INS BROKERS3 | 600 GRANT ST, STE 720 DENVER, CO 80203 | UNIMERICA INSURANCE COMPANY | $47K | $0 | $47K | 15.00% |
| COOK & ASSOCIATES INS BROKERS3 Filed as: COOK & ASSOC INSURANCE BROKERS | 600 GRANT ST, STE 720 DENVER, CO 80203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $0 | $25K | 10.00% |
| COOK & ASSOCIATES INS BROKERS3 Filed as: COOK & ASSOCIATES | 600 GRANT ST, STE 720 DENVER, CO 80203 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| COOK & ASSOCIATES INS BROKERS3 Filed as: COOK & ASSOCIATES | 600 GRANT ST, STE 720 DENVER, CO 80203 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.78% |
| COOK & ASSOCIATES INSURANCE BROKERS3 | 600 GRANT ST, STE 720 DENVER, CO 80203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 20.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | $0 | $24 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES LLC EIN 81-0391256 TPA | Other fees; Contract Administrator Service code 13 | — | $63K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO | Other services Service code 49 | — | $26K |
| DELTA DENTAL OF COLORADO EIN 84-0568337 DENTAL TPA | Contract Administrator Service code 13 | — | $17K |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 130 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $251K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $251K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $251K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 132 | $367K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.