| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $85K | $85K | 1.00% |
| 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. | $51K | — | $51K | 0.80% |
| 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 | $34K | — | $34K | 0.95% |
| 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 | $21K | — | $21K | 2.00% |
| 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 | $11K | — | $11K | 2.52% |
| 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 | — | $7K | 12.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CO | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 801117305 | MVP HEALTHCARE | $2K | — | $2K | 3.92% |
| 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 THE NORTHWEST | $18 | — | $18 | 0.81% |
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 | 2,278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 826 | $18.6M |
| Dental(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,888 | $11.0M |
| Vision | VISION SERVICE PLAN | 1,433 | $159K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,294 | $429K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 37 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,294 | $429K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 62 | $71K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,546 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,888 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.