| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CO | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 801117503 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $60K | — | $60K | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CO | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 801117305 | KAISER FOUNDATION HEALTH PLAN INC. | $43K | — | $43K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CO | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 801117503 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $18K | — | $18K | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CO | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 801117503 | DELTA DENTAL OF COLORADO | $22K | — | $22K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 801117305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $7K | $21K | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CO | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 801117503 | HUMANA INSURANCE COMPANY | $7K | $1K | $8K | 14.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CO | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 801117305 | MVP HEALTHCARE | $1K | — | $1K | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CO | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 801117503 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $147 | $147 | 1.76% |
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 | 2,135 | 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) | 2,164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,111 | $17.8M |
| Dental(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,829 | $10.6M |
| Vision(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,349 | $8.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,085 | $580K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 32 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,085 | $580K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 61 | $77K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,140 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,829 | — |
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.