| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DELTA DENTAL OF COLORADO | $7K | $0 | $7K | 2.73% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $6K | $0 | $6K | 2.29% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CA 80202 | STANDARD INSURANCE COMPANY | $16K | $2K | $18K | 7.11% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.88% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.66% |
| COBIZ INSURANCE3 | 1600 NORTH BROADWAY, 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.18% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | HEALTHIEST YOU | $5K | $0 | $5K | 9.56% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CA 80202 | HEALTHIEST YOU | $4K | $0 | $4K | 7.26% |
| SHERRY SWEDENBORG4 | 4400 SOUTH MONACO STREET APARTMENT 228 DENVER, CO 80237 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $2K | $0 | $2K | 16.88% |
| BLUMICIA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD STREET, PMB 271 WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $43 | $0 | $43 | 0.43% |
| MARY L. ROMERO4 Filed as: MARY ROMERO | 20439 AGER BESWICK ROAD MONTAGUE, CA 96064 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $30 | $0 | $30 | 0.30% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 577 | $269K |
| Vision | VISION SERVICE PLAN | 204 | $50K |
| Life insurance | STANDARD INSURANCE COMPANY | 412 | $256K |
| Short-term disability | STANDARD INSURANCE COMPANY | 412 | $256K |
| Long-term disability | STANDARD INSURANCE COMPANY | 412 | $256K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 412 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.