| 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 CO. | $29K | $10K | $39K | 8.82% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | CIGNA HEALTH AND LIFE INSURANCE CO. | $27K | — | $27K | 6.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $3K | $3K | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE CO. | -$613 | -$263 | -$876 | -0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 2.96% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 SERVICE PROVIDER | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $55K |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 150 | $439K |
| Dental | DELTA DENTAL OF COLORADO | 282 | $78K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 162 | $69K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 162 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
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.