| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | — | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $580K | — | $580K | 4.84% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | — | METROPOLITAN LIFE INSURANCE COMPANY | $129K | $17K | $146K | 11.79% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 6.88% |
| KOMPASS FINANCIAL ADVISORS INC.3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 6.46% |
| EVAN D BURDEN3 Filed as: EVAN D. BURDEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $80 | $9K | 5.23% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 4.50% |
| FOREVER EMPLOYER LTD3 Filed as: FOREVER EMPLOYER LTD. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $156 | $4K | 2.39% |
| RPM BENEFIT ADVISORS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $424 | $2K | 1.12% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 0.13% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 0.10% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $6 | $118 | 0.07% |
| MARY CATHERINE WILLIAMS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.03% |
| KRISTEN ELISE RANDALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| GINA M WESOLEK3 Filed as: GINA M. WESOLEK | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| DANIEL CORY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| 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 | 1,947 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 2,586 | $12.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,388 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,388 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,388 | $1.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,388 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,388 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,388 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,586 | — |
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.