| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $104K | $0 | $104K | 11.51% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $37K | $37K | 4.07% |
| ZIZZL,LLC5 Filed as: ZIZZL LLC | 313 NORTH PLANKINTON AVENUE MILWAUKEE, WI 53203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $25K | $25K | 2.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | DELTA DENTAL OF COLORADO | $23K | $0 | $23K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | DELTA DENTAL OF COLORADO | $18K | $0 | $18K | 3.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | $0 | $46K | 10.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $12K | $729 | $13K | 4.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | VISION SERVICE PLAN INSURANCE COMPANY | $6K | $0 | $6K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN INSURANCE COMPANY | $3K | $0 | $3K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | DELTA DENTAL | $5K | $0 | $5K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $1K | $6K | 17.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 4.89% |
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 | 1,584 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 191 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 73 | $296K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 1,198 | $570K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 1,094 | $127K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,629 | $939K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,629 | $939K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,629 | $939K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 73 | $296K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,799 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,799 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.