| 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. | $407K | — | $407K | 4.70% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | — | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $3K | $72K | 7.65% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ, BENEFITS & INSURANCE SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $2K | $21K | 2.28% |
| FOREVER EMPLOYER LTD3 Filed as: FOREVER EMPLOYER LTD. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $415 | $16K | 14.67% |
| KOMPASS FINANCIAL ADVISORS INC.3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 7.38% |
| EVAN D BURDEN3 Filed as: EVAN D. BURDEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $575 | $93 | $668 | 0.61% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $538 | $65 | $603 | 0.55% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $152 | $384 | 0.35% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.19% |
| RPM BENEFIT ADVISORS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $20 | $116 | 0.11% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.04% |
| MARY CATHERINE WILLIAMS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $1 | $21 | 0.02% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.01% |
| DANIEL CORY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $7 | $13 | 0.01% |
| DEAN SAILER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID CHARLES SKEEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| KRISTEN ELISE RANDALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING ALTERNATIVES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| INSURANCE ACCENTS CORPORATION3 Filed as: INSURANCE ACCENTS CORP. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| GINA M WESOLEK3 Filed as: GINA M. WESOLEK | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 2,056 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 2,337 | $8.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $939K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $939K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $939K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $939K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $939K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,337 | — |
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.