No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLOOD & PETERSON EIN 84-0475762 INSURANCE AGENT | Custodial (securities) Service code 19 | — | $51K |
| CYPRESS BENEFIT ADMINISTRATORS, LLC EIN 39-1997579 CONTRACT ADMIN. | Claims processing Service code 12 | — | $38K |
| FLOOD & PETERSON INS, INC BROKER | Insurance agents and brokers Service code 22 | PO BOX 578 GREELEY, CO 80632 | $19K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS PROCESSING | Insurance services; Claims processing Service code 12 | — | $16K |
| AHH EIN 31-1368946 OTHER | Other fees Service code 99 | — | $6K |
| COFINITY EIN 20-1274723 OTHER | Other fees Service code 99 | — | $5K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 OTHER | Other fees Service code 99 | — | $2K |
| HEALTHEOS EIN 39-1634080 OTHER | Other fees Service code 99 | — | $1K |
| ZELIS CLAIMS EIN 86-1040704 OTHER | Other fees Service code 99 | — | $1K |
| HEALTH SMART EIN 75-2727437 OTHER | Other fees Service code 99 | — | $945 |
| ARIZONA FOUNDATION FOR MEDCARE OTHER | Other fees Service code 99 | PO BOX 205057 DALLAS, TX 75320 | $755 |
| CIGNA | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $0 |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 151 | $1.5M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 151 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.