| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT STREET SUITE 650 DENVER, CO 80203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $46K | $46K | 2.08% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 GRANT STREET SUITE 650 DENVER, CO 80203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $40K | $40K | 1.82% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | DELTA DENTAL OF COLORADO | $22K | — | $22K | 9.06% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $4K | $22K | 15.47% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.69% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FREEWAY SUITE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.81% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 16.98% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.70% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FREEWAY SUITE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.81% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $12K | 15.41% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.73% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FREEWAY SUITE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.79% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 15.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.73% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FREEWAY SUITE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.85% |
| INTREPID3 Filed as: INTREPID BENEFITS INC. | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $675 | $4K | 15.12% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $648 | — | $648 | 2.79% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FREEWAY SUITE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $386 | $386 | 1.66% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 271 | $2.2M |
| Dental | DELTA DENTAL OF COLORADO | 329 | $240K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 272 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 498 | $189K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 499 | $142K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 498 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.