| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UNITED HEALTHCARE SERVICES, INC | — | UNITED HEALTHCARE SERVICES INC | — | $28K | $28K | 10.37% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GRP OF COLORADO LLC | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 85711 | UNITED HEALTHCARE SERVICES INC | $11K | — | $11K | 3.97% |
| FIRST INSURANCE GROUP LLC3 | 750 N LINCOLN AVE FL 2 LOVELAND, CO 80537 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.07% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.81% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GRP OF COLORADO LLC | 2000 S COLORADO BLVD STE 11100 DENVER, CO 80222 | PRINCIPAL LIFE INSURANCE COMPANY | $855 | $3K | $4K | 4.54% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | — | $710 | $710 | 0.83% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE SERVICES INC | 96 | $271K |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE SERVICES INC | 144 | $357K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $86K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $86K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $86K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $86K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.