| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | — | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $105K | — | $105K | 2.35% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ, BENEFITS & INSURANCE SERVICES | — | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $81K | — | $81K | 1.82% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ, BENEFITS & INSURANCE SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $6K | $55K | 10.61% |
| MAXIMUM BENEFIT SOLUTIONS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $97 | $6K | 10.45% |
| KOMPASS FINANCIAL ADVISORS INC.2 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.58% |
| FOREVER EMPLOYER LTD3 Filed as: FOREVER EMPLOYER LTD. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.24% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $83 | $1K | 2.21% |
| EVAN D BURDEN3 Filed as: EVAN D. BURDEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $38 | $439 | 0.74% |
| WESSLEY MIKAEL PRESSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.26% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.07% |
| DEAN SAILER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.06% |
| RPM BENEFIT ADVISORS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.04% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING ALTERNATIVES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| MARY CATHERINE WILLIAMS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| DNASH ACCOUNTING & TAX SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| INSURANCE ACCENTS CORPORATION3 Filed as: INSURANCE ACCENTS CORP. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 1,012 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 1,857 | $4.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $517K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $517K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $576K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $517K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $517K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $517K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,857 | — |
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.