| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGY INC | 8055 EAST TUFTS AVENUE SUITE 1230 DENVER, CO 80237 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC | $58K | $7K | $65K | 4.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC | — | $21K | $21K | 1.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 5.29% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 2.11% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.84% |
| ANNETTE S WULFF3 | 471 EAST SCENUIC DRIVE GRAND JUNCTION, CO 81507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.46% |
| ELIZABETH FAY ASAY3 Filed as: ELIZABETH F ASAY | 453 BULLA DRIVE GRAND JUNCTION, CO 81504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $493 | — | $493 | 1.50% |
| AMY M BUCHANAN3 Filed as: AMY BUCHANAN | 2277 WEST 3RD AVENUE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $368 | — | $368 | 1.12% |
| ASPEN R LLC3 Filed as: ASPEN RAE MADRID | 752 MAIN AVENUE #202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.29% |
| ADRIAN ERIC SALAZAR3 Filed as: ADRIAN E SALAZAR | 2215 INDEPENDENCE DRIVE APARTMENT 7204 NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.18% |
| ASPEN R LLC3 Filed as: ASPEN R, LLC | 752 MAIN AVENUE #202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.15% |
| SEAN ANDREW FOSTER3 Filed as: SEAN A FOSTER | 225 FOSTER LANE WHITEWATER, CO 81527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.13% |
| JENNIE M RAMOS3 | 14881 ROAD 26 DELORES, CO 81323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| DEBORAH A POPE3 | PO BOX 1282 RIDGWAY, CO 81432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| MARY H ROBINS3 | 85 FOLSOM PLACE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| MANUEL A MADRID3 Filed as: MANUEL MADRID | 104 INDEPENDENT AVENUE SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| JEFFREY K HAWKINS3 | 24005 POINDEXTER ROAD LEES SUMMIT, MO 64086 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| GARYN L IVERSON3 | 57 SOUTH AMULET MESA, AZ 85208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| TONYA L WYNES LLC3 | 225 SOUTH 6TH STREET SUITE 2550 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| 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 | $7 | — | $7 | 0.02% |
| JAMES R WYNES3 | 10 WEST MAIN SUITE 110 CORTEZ, CO 81321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| MYWHY LLC3 | 225 FOSTER LANE WHITEWATER, CO 81527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JO ANNE ALLEN LLC3 Filed as: JO ANNE ALLEN | 6110 LAGOLONDRINA COURT WHITEWATER, CO 81527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC. | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | VISION SERVICE PLAN | $1K | — | $1K | 5.75% |
| MOODY INSURANCE AGENCY3 | 8055 EAST TUFTS AVENUE #1000 DENVER, CO 80237 | PRINCIPAL FINANCIAL GROUP | $999 | — | $999 | 173.14% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC | 154 | $1.6M |
| Dental | DELTA DENTAL OF COLORADO | 182 | $80K |
| Vision | VISION SERVICE PLAN | 151 | $24K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 81 | $29K |
| Long-term disability | PRINCIPAL FINANCIAL GROUP | 9 | $577 |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 113 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.