| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $29K | $29K | 7.72% |
| ROGERS BENEFIT GROUP INC3 | 5110 N. 40TH ST. STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $12K | $12K | 3.28% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY INC | 155 INVERNESS DR W ENGLEWOOD, CO 801125000 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.72% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $7K | 6.06% |
| MELISSA B MADTES3 | 6814 HONEYRIDGE LN SAN ANTONIO, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $956 | — | $956 | 6.90% |
| DANIEL MARTIN ROMAN3 | 15938 SILVER ROSE SELMA, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $182 | $298 | 2.15% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 1.19% |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE CT ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.45% |
| KAREN WINRICH3 | 2401 WESTINGHOUSE RD APT 3102 GEORGETOWN, TX 78626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.33% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.12% |
| LES MILLER3 Filed as: LES MILLER DBA LMA BENEFITS | 5663 MEADOW DR ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.11% |
| BENTON J WINRICH3 | 2401 WESTINGHOUSE RD APT 3102 GEORGETOWN, TX 78626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.09% |
| JUSTIN CRAIG LAWHORN3 | 1311 CHISHOLM TRAIL RD STE 403 ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MCKINLEY & DIMARCO INSURANCE SERVIC3 | 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $378K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 153 | $110K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 153 | $110K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 153 | $110K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 153 | $110K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 153 | $110K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $378K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 153 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.