| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 E TUFTS AVE SUITE 1000 DENVER, CO 802372835 | ROCKY MOUNTAIN HEALTH MAINTENANCE ORGANIZATION INC | $41K | — | $41K | 3.76% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 19.47% |
| ASPEN R LLC3 Filed as: ASPEN RAE MADRID | 752 MAIN AVENUE SUITE 202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.16% |
| SEAN ANDREW FOSTER3 Filed as: SEAN A FOSTER | 225 FOSTER LANE WHITEWATER, CO 81527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GLENDA V OHALLORAN | 575 28 1/2 ROAD APARTMENT 36 GRAND JUNCTION, CO 81501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.84% |
| ASPEN R LLC3 Filed as: ASPEN R, LLC | 752 MAIN AVENUE SUITE 202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $975 | — | $975 | 2.66% |
| ADRIAN ERIC SALAZAR3 Filed as: ADRIAN E SALAZAR | 1801 WOODFIELD DRIVE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $972 | — | $972 | 2.66% |
| MARY H ROBINS3 | 85 FOLSOM PLACE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $824 | — | $824 | 2.25% |
| MANUEL A MADRID3 Filed as: MANUEL MADRID | 1048 INDEPENDENT AVENUE SUITE 207A GRAND JUCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $752 | — | $752 | 2.05% |
| JENNIE M RAMOS3 | 14881 ROAD 26 DELORES, CO 81323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $688 | — | $688 | 1.88% |
| AMY M BUCHANAN3 Filed as: AMY BUCHANAN | 2277 WEST 3RD AVENUE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $445 | — | $445 | 1.22% |
| DEBORAH A POPE3 | P.O. BOX 1282 RIDGEWAY, CO 81432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $426 | — | $426 | 1.16% |
| JO ANNE ALLEN LLC3 Filed as: JO ANNE ALLEN | 6110 LAGOLONDRINA COURT WHITEWATER, CO 81527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | — | $296 | 0.81% |
| WADE T WASCHKAT3 | 1048 INDEPENDENT AVENUE SUITE 209A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 0.64% |
| GARYN L IVERSON3 | 57 SOUTH AMULET MESA, AZ 85208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 0.56% |
| TONYA L WYNES LLC3 | 225 SOUTH 6TH STREET SUITE 2550 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | — | $196 | 0.54% |
| JEFFREY K HAWKINS3 | 24005 POINDEXTER ROAD LEES SUMMIT, MO 64086 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 0.49% |
| JAMES R WYNES3 | 10 WEST MAIN SUITE 110 CORTEZ, CO 81321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.19% |
| MYWHY LLC3 | 225 FOSTER LANE WHITEWATER, CO 81527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.18% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 E TUFTS AVE SUITE 1000 DENVER, CO 802372835 | GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | — |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HEALTH MAINTENANCE ORGANIZATION INC | 181 | $1.1M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 198 | $0 |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 198 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.