| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC7 Filed as: AON CONSULTING, INC.-IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 0.75% |
| 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. | -$11K | — | -$11K | -0.26% |
| AON CONSULTING INC7 Filed as: AON CONSULTING, INC.-IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $32K | — | $32K | 0.77% |
| 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. | -$12K | — | -$12K | -0.29% |
| AON CONSULTING INC7 Filed as: AON CONSULTING INC NJ | P.O.BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $27K | $4 | $27K | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | -$12K | $5K | -$7K | -0.18% |
| AON CONSULTING INC7 Filed as: AON CONSULTING INC NJ | P.O.BOX 905494 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $10K | $169 | $11K | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 6300 S. SYRACUSE WAY SUITE 700 CENTENNIAL, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | -$5K | $395 | -$4K | -0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $87K | — | $87K | 14.39% |
| AON CONSULTING INC7 | 180 N STETSON AVE CHICAGO, IL 60601 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | -$28K | — | -$28K | -4.68% |
| AON CONSULTING INC7 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 3.39% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | P.O.BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $422 | $422 | 0.14% |
| AON CONSULTING INC7 | 29840 NETWORK PL CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | P.O.BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $573 | $573 | 0.29% |
| AON CONSULTING INC7 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $842 | $842 | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | P.O.BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $235 | $235 | 0.17% |
| AON CONSULTING INC7 Filed as: AON CONSULTING, INC.-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 3.73% |
| AON CONSULTING INC7 Filed as: AON CONSULTING, INC.-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 15.66% |
| AON CONSULTING INC7 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $141 | $141 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | P.O.BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $36 | $36 | 0.15% |
| AON CONSULTING INC7 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $458 | $86 | $544 | 2.94% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | P.O.BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $24 | $24 | 0.13% |
| AON CONSULTING INC7 Filed as: AON CONSULTING, INC.-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA INSURANCE COMPANY | $300 | — | $300 | 4.62% |
| AON CONSULTING INC7 | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $19 | $19 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | P.O.BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $14 | $14 | 0.23% |
| AON CONSULTING INC7 Filed as: AON CONSULTING-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA INSURANCE COMPANY | $400 | — | $400 | 11.23% |
| AON CONSULTING INC7 Filed as: AON CONSULTING, INC.-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA INSURANCE COMPANY | $100 | — | $100 | 3.37% |
| AON CONSULTING INC7 Filed as: AON CONSULTING, INC.-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA INSURANCE COMPANY | $100 | — | $100 | 3.64% |
| AON CONSULTING INC7 Filed as: AON CONSULTING-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA INSURANCE COMPANY | $200 | — | $200 | 8.67% |
| AON CONSULTING INC7 Filed as: AON CONSULTING-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA INSURANCE COMPANY | $400 | — | $400 | 17.45% |
| AON CONSULTING INC7 Filed as: AON CONSULTING-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA INSURANCE COMPANY | $200 | — | $200 | 10.55% |
| AON CONSULTING INC7 Filed as: AON CONSULTING-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $100 | — | $100 | 18.55% |
| AON CONSULTING INC7 Filed as: AON CONSULTING-DENVER | 44 WHIPPANY ROAD MORRISTOWN, NJ 079604558 | HUMANA INSURANCE COMPANY | $100 | — | $100 | — |
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 | 2,751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 7 | $59K |
| Dental(2 contracts) | DELTA DENTAL OF COLORADO | 3,818 | $1.6M |
| Vision | VISION SERVICE PLAN | 1,795 | $225K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,697 | $428K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 819 | $199K |
| Stop-loss / reinsurancereinsurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,384 | $602K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,803 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,818 | — |
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.
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.