| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE UNDERWRITERS GROUP INC3 | PO BOX 23790 LOUISVILLE, KY 40223 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $66K | — | $66K | 2.63% |
| THE UNDERWRITERS GROUP INC3 | PO BOX 23790 LOUISVILLE, KY 40223 | STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 0.62% |
| THE UNDERWRITERS GROUP INC3 Filed as: THE UNDERWRITERS GROUP | 1700 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | DELTA DENTAL OF COLORADO | $6K | — | $6K | 4.71% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 6143 SOUTH WILLOW DR SUITE 200 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $3K | — | $3K | 1.88% |
| THE UNDERWRITERS GROUP INC3 | PO BOX 23790 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.25% |
| THE UNDERWRITERS GROUP INC3 | PO BOX 23790 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.82% |
| THE UNDERWRITERS GROUP INC3 Filed as: THE UNDERWRITERS GROUP | 1700 EASTPOINT PKWY LOUISVILLE, KY 40223 | VISION SERVICE PLAN | $1K | — | $1K | 5.32% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 148 | $2.5M |
| Dental | DELTA DENTAL OF COLORADO | 148 | $137K |
| Vision | VISION SERVICE PLAN | 145 | $22K |
| Life insurance | STANDARD INSURANCE COMPANY | 156 | $89K |
| Short-term disability | STANDARD INSURANCE COMPANY | 156 | $52K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 156 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.