| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JMB FINANCIAL | 537 CLERMONT STREET DENVER, CO 80220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $6K | $33K | 9.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.80% |
| CHRISTOPHER SCOTT HILLIER3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 801126021 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 6.42% |
| KRISTIE A LEATHERS3 | 2143 RANCH DR. WESTMINSTER, CO 80234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 14.43% |
| MICHAEL J. RINKE3 Filed as: MICHAEL J RINKE | 7349 PONCE AVE WEST HILLS, CA 91307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $959 | — | $959 | 5.50% |
| TROY J KIDD3 | 8601 TURNPIKE DRIVE #206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $575 | — | $575 | 3.30% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 861 N AUBURNDALE ST MEMPHIS, TN 38107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $367 | — | $367 | 2.10% |
| MICHAEL J. RINKE3 Filed as: MICHAEL J RINKE | 7349 PONCE AVE WEST HILLS, CA 91307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 1.18% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.89% |
| RENEE SUZANNE CORSO3 Filed as: RENEE S CORSO | 5805 SEPULVEDA BLVD SUITE 740 SHERMAN OAKS, CA 91411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.74% |
| LISA M HALL3 | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.56% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 84 | $372K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $364K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $364K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $364K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $364K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $364K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.