| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | — | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | $382K | — | $382K | 3.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | DBA CBIZ ES 700 W. 47TH ST., STE. 1100 KANSAS CITY, MO 64112 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | $231K | — | $231K | 1.89% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | — | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | — | $15K | $15K | 0.12% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | — | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $17 | $36K | 7.41% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 3.52% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36K | $12K | $49K | 13.02% |
| EVAN D BURDEN3 Filed as: EVAN D. BURDEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33K | $4K | $36K | 9.75% |
| KOMPASS FINANCIAL ADVISORS INC.3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | — | $25K | 6.56% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $8K | $20K | 5.46% |
| FOREVER EMPLOYER LTD3 Filed as: FOREVER EMPLOYER LTD. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $7 | $2K | 0.62% |
| RPM BENEFIT ADVISORS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $15 | $381 | 0.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.04% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.03% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.02% |
| MARY CATHERINE WILLIAMS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| KRISTEN ELISE RANDALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| INSURANCE ACCENTS CORPORATION3 Filed as: INSURANCE ACCENTS CORP. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GINA M WESOLEK3 Filed as: GINA M. WESOLEK | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DANIEL CORY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KOMPASS FINANCIAL ADVISORS INC.3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 14.20% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $491 | $4K | 11.70% |
| EVAN D BURDEN3 Filed as: EVAN D. BURDEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $307 | $4K | 10.47% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $427 | $2K | 4.84% |
| FOREVER EMPLOYER LTD3 Filed as: FOREVER EMPLOYER LTD. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 0.62% |
| RPM BENEFIT ADVISORS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| KRISTEN ELISE RANDALL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INSURANCE ACCENTS CORPORATION3 Filed as: INSURANCE ACCENTS CORP | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | DBA CBIZ ES 700 W. 47TH ST., STE. 1100 KANSAS CITY, MO 64112 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $47K | — | $47K | — |
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 | 1,824 | 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) | 1,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | 2,638 | $12.2M |
| Dental(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | 2,638 | $12.7M |
| Vision(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | 2,638 | $12.7M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,188 | $900K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,188 | $492K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,188 | $492K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,188 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,638 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.