| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC | 1125 17TH ST DENVER, CO 802022025 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 4.03% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC | 6143 S WILLOW DR STE 200 GREENWOOD, CO 801115123 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.90% |
| ROPER INSURANCE & FINANCIAL SVCS.3 Filed as: ROPER INSURANCE & FINANCIAL SVCS IN | 9559 S KINGSTON CT ENGLEWOOD, CO 801125952 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF COLORADO INC (DE | 1125 17TH ST STE 1450 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $5K | — | $5K | 9.44% |
| ROPER INSURANCE & FINANCIAL SVCS.3 Filed as: ROPER INSURANCE AND FINANCIAL | 9559 S KINGSTON CT ENGLEWOOD, CO 80112 | DELTA DENTAL OF COLORADO | $305 | — | $305 | 0.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC | 4532 BOARDWALK DR STE 200 FORT COLLINS, CO 80525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $903 | — | $903 | 9.44% |
| ROPER INSURANCE & FINANCIAL SVCS.3 Filed as: ROPER INSURANCE & FIN. SERV.INC. | 9559 S KINGSTON CT ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $532 | — | $532 | 5.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC | 4532 BOARDWALK DR STE 200 FORT COLLINS, CO 80525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 12.96% |
| ROPER INSURANCE & FINANCIAL SVCS.3 Filed as: ROPER INSURANCE & FIN. SERV.INC. | 9559 S KINGSTON CT ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $159 | — | $159 | 2.04% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $614K |
| Dental | DELTA DENTAL OF COLORADO | 207 | $55K |
| Vision | VISION SERVICE PLAN | 91 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $10K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.