| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ, BENEFITS & INSURANCE SERVICES | — | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $111K | — | $111K | 3.90% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | — | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $22K | — | $22K | 3.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $14K | -$53 | $14K | 4.96% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICE | — | METROPOLITAN LIFE INSURANCE COMPANY | $5K | -$52 | $5K | 1.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ, BENEFITS & INSURANCE SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $4K | -$48 | $4K | 1.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ, BENEFITS & INSURANCE SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $636 | -$7 | $629 | 0.23% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ, BENEFITS & INSURANCE SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $195 | $413 | $608 | 0.22% |
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 | 728 | 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) | 728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 712 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 934 | $274K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 934 | $274K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 934 | $274K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 934 | $274K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 934 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 934 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.