| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY, INC. | 155 INVERNESS DRIVE WEST ENGLEWOOD, CO 80112 | UNITEDHEALTHCARE INSURANCE COMPANY | $87K | — | $87K | 2.96% |
| AMY M BUCHANAN3 | 1584 RIDGE ROAD DURANGO, CO 81303 | AFLAC | $2K | $5 | $2K | 9.82% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY, INC | 155 INVERNESS DRIVE WEST ENGLEWOOD, CO 80112 | AFLAC | $1K | — | $1K | 5.62% |
| ANNETTE S WULFF3 | 471 EAST SCENIC DRIVE GRAND JUNCTION, CO 81507 | AFLAC | $494 | $35 | $529 | 2.50% |
| CYNTHIA MYER3 | 26005 COLONY DRIVE SALVO, NC 27972 | AFLAC | $279 | $20 | $299 | 1.42% |
| MORETON & COMPANY3 Filed as: KIM K MORTON | 6000 TAZEWELL PIKE KNOXVILLE, TN 37918 | AFLAC | $78 | $18 | $96 | 0.45% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | AFLAC | $74 | — | $74 | 0.35% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | AFLAC | $73 | — | $73 | 0.35% |
| ASPEN R LLC3 Filed as: ASPEN R MADRID | 261 MONARCH CREST TRAIL DURANGO, CO 81301 | AFLAC | $67 | — | $67 | 0.32% |
| JENNIE M RAMOS3 Filed as: JENNIE MARIE RAMOS | 14881 ROAD 26 DOLORES, CO 81323 | AFLAC | $48 | — | $48 | 0.23% |
| ADRIAN ERIC SALAZAR3 | 3880 NORTHAVEN TRAIL NEW BRUNFELS, TX 78132 | AFLAC | $42 | — | $42 | 0.20% |
| AMANDA NICOLE BANDY3 Filed as: AMANDA NICOLE BRANDY | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $24 | $5 | $29 | 0.14% |
| KEVIN BINKLEY3 | 645 EAST TOMAHAWK CIRCLE GRAND JUNCTION, CO 81504 | AFLAC | $19 | $8 | $27 | 0.13% |
| MANUEL A MADRID3 | 6282 DOUGLAS COURT LANE CHAMPLIN, CO 55316 | AFLAC | $26 | — | $26 | 0.12% |
| TONYA L WYNES LLC3 | 10809 DEFENDER TRAIL AUSTIN, TX 78754 | AFLAC | $26 | — | $26 | 0.12% |
| JENNIFER L HARMS3 | 10304 AVERY SPRINGS LANE KNOXVILLE, TN 37922 | AFLAC | $20 | $4 | $24 | 0.11% |
| TAYLOR THIGPEN3 | 605 COMMODORE LANE KNOXVILLE, TN 37934 | AFLAC | $15 | $5 | $20 | 0.09% |
| ELIZABETH FAY ASAY3 | 453 BULLA DRIVE GRAND JUNCTION, CO 81504 | AFLAC | $8 | — | $8 | 0.04% |
| THE MADRID AGENCY INC3 | 4624 141ST LANE NORTHEAST HAM LAKE, MN 55304 | AFLAC | $7 | — | $7 | 0.03% |
| CCIG3 | 155 INVERNESS DRIVE WEST ENGLEWOOD, CO 80112 | PRINCIPAL LIFE INSURANCE COMPANY | $844 | — | $844 | 11.80% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $325 | — | $325 | 4.55% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE | AGENCY INC. 155 INVERNESS DRIVE WEST, ENGLEWOOD, CO 80112 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | AND FINANCIAL SERVICES 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | — |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC. | 8055 E TUFTS AVENUE SUITE #1230 DENVER, CO 80237 | ANTHEM LIFE INSURANCE COMPANY | $3 | — | $3 | — |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $2.9M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $2.9M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | AFLAC | 17 | $21K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 17 | $28K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.