| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE OF CO,INC | 6300 S. SYRACUSE WAY STE 700 CENTENNIAL, CO 801117305 | KAISER FOUNDATION HEALTH PLAN INC. | $22K | — | $22K | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE OF CO,INC | 6300 S. SYRACUSE WAY STE 700 CENTENNIAL, CO 801117305 | KAISER FOUNDATION HEALTH PLAN INC. | $17K | — | $17K | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 6300 S. SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | $1K | $9K | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 2.38% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $12K | $28K | 6.77% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $956 | $956 | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 6300 S. SYRACUSE WAY STE 700 CENTENNIAL, CO 801117305 | HUMANA INSURANCE COMPANY | $750 | — | $750 | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $865 | $664 | $2K | 7.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 6300 S. SYRACUSE WAY STE 700 CENTENNIAL, CO 801117305 | HUMANA INSURANCE COMPANY | $250 | — | $250 | 1.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 6300 S. SYRACUSE WAY STE 700 CENTENNIAL, CO 801117305 | HUMANA INSURANCE COMPANY | $100 | — | $100 | 1.85% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $105 | $105 | 2.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION AVE STE 700 DENVER, CO 80237 | FEDERAL INSURANCE COMPANY | $176 | — | $176 | 6.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 6300 S. SYRACUSE WAY STE 700 CENTENNIAL, CO 801117305 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Other fees Service code 99 | — | $2.4M |
| ROCKY MOUNTAIN HOSPITAL AND MEDICAL EIN 84-0747736 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $1.1M |
| HMO COLORADO, INC. EIN 84-1017384 NONE | Claims processing; Other services; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $550 |
| GALLAGHER BENEFIT SERVICES INC. NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 1000 EAST WARRENVILLE RD SUITE 230 NAPERVILLE, IL 60563 | $0 |
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 | 2,986 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 7 | $76K |
| Dental(2 contracts) | DELTA DENTAL OF COLORADO | 4,315 | $1.9M |
| Vision | VISION SERVICE PLAN | 2,126 | $272K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,987 | $666K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,413 | $507K |
| Stop-loss / reinsurancereinsurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 2,044 | $1.0M |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,993 | $548K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,315 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.