| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G&A BENEFICIAL LLC3 | 17220 KATY FWY SUITE 350 HOUSTON, TX 770941485 | UNITED HEALTHCARE INSURANCE COMPANY | $1.2M | $0 | $1.2M | 5.03% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD - CO & WY | 9420 E DOUBLETREE RANCH RD SUITE C103 SCOTTSDALE, AZ 852585589 | UNITED HEALTHCARE INSURANCE COMPANY | $281K | $0 | $281K | 1.16% |
| ISU INSURANCE AGENCY OF COLORADO3 Filed as: ISU INSURANCE SRVS OF COLO INC. | 350 INDIANA STREET SUITE 750 GOLDEN, CO 804015099 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 0.09% |
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 | 3,279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 7,565 | $24.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 7,565 | $24.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 7,565 | $24.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,565 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.