| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER SCOTT HILLIER3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 801126021 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 6.97% |
| ASSUREDPARTNERS3 Filed as: JMB FINANCIAL | 537 CLERMONT STREET DENVER, CO 80220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 7.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE #400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.44% |
| KRISTIE A LEATHERS3 | 2143 RANCH DR. WESTMINSTER, CO 80234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $940 | — | $940 | 6.32% |
| TROY J KIDD3 | 13066 EMERSON ST #206 THORTON, CO 80241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 1.36% |
| MICHAEL J. RINKE3 Filed as: MICHAEL J RINKE | 7349 PONCE AVE WEST HILLS, CA 91307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 1.33% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 2050 EAST 101ST COURT THORTON, CO 80239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 1.00% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 116 E. MAIN ST. #201 ROCK HILL, SC 29730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 0.85% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.56% |
| MICHAEL J. RINKE3 Filed as: MICHAEL J RINKE | 7349 PONCE AVE WEST HILLS, CA 91307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.47% |
| RENEE SUZANNE CORSO3 Filed as: RENEE S CORSO | 5805 SEPULVEDA BLVD SUITE 740 SHERMAN OAKS, CA 91411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.26% |
| DONNA BONNE3 | 88 W MAPLE AVE DENVER, CO 80223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.14% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $394K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $345K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $345K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $345K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $345K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $345K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.