| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT GROUP LLC | 2133 SOUTH BELLAIRE STREET, SUITE 4 DENVER, CO 80222 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $99K | $0 | $99K | 4.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 21650 OXNARD STREET, SUITE 200 WOODLAND HILL, CA 91367 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $0 | $9K | $9K | 0.45% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT GROUP LLC | 2133 SOUTH BELLAIRE STREET, SUITE 4 DENVER, CO 80222 | ANTHEM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 21650 OXNARD STREET, SUITE 200 WOODLAND HILL, CA 91367 | ANTHEM LIFE INSURANCE COMPANY | $0 | $871 | $871 | 0.45% |
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 | 104 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 387 | $2.0M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 387 | $2.0M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 387 | $2.0M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 221 | $193K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 221 | $193K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 221 | $193K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 387 | $2.0M |
| Other | ANTHEM LIFE INSURANCE COMPANY | 221 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.