| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 501 CHERRY STREET SUITE 600 DENVER, CO 80246 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 4.49% |
| RISK STRATEGIES COMPANY3 Filed as: ENTERPRISE RISK STRATEGIES, LLC | 5619 DTC PARKWAY SUITE 475 GREENWOOD VILLAGE, CO 80111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 3.52% |
| RISK STRATEGIES COMPANY3 Filed as: ENTERPRISE RISK STRATEGIES, LLC | 5619 DTC PARKWAY SUITE 475 GREENWOOD VILLAGE, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 5.86% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 501 CHERRY STREET SUITE 600 DENVER, CO 80246 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.22% |
| RISK STRATEGIES COMPANY3 Filed as: ENTERPRISE RISK STRATEGIES, LLC | 5619 DTC PARKWAY SUITE 475 GREENWOOD VILLAGE, CO 80111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15 | — | $15 | 28.85% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 501 CHERRY STREET SUITE 600 DENVER, CO 80246 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3 | — | $3 | 5.77% |
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 | 2,162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10 | $61K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10 | $61K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,599 | $287K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,929 | $811K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,330 | $928K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,279 | $434K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,929 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,599 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.