| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO INC | — | DELTA DENTAL OF COLORADO | $6K | — | $6K | 8.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $104 | $2K | 10.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $123 | $2K | 10.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $104 | $2K | 10.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO), INC. | — | EYEMED | $1K | — | $1K | 10.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $347 | — | $347 | 9.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $352 | $245 | $597 | 25.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $311 | $241 | $552 | 26.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CORPORATE SERVICES (CO) INC EIN 26-0807565 BROKER | Insurance agents and brokers Service code 22 | — | $79K |
| UCHEALTH PLAN ADMINISTRATORS EIN 36-4775064 CONTRACT ADM | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $42K |
| SOUTHERN SCRIPTS EIN 47-4999303 ADM FEE | Claims processing; Contract Administrator Service code 12 | — | $11K |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 199 | $69K |
| Vision | EYEMED | 158 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 43 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $18K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.