| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 Filed as: THE HAUSER GROUP | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $85K | $0 | $85K | 8.13% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $13K | $53K | 16.95% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.25% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.96% |
| LINDSAY LIJEWSKI3 | 6025 SOUTH QUEBEC STREET, SUITE 360 ENGLEWOOD, CO 80111 | AFLAC | $793 | $63 | $856 | 7.12% |
| MJ INSURANCE3 Filed as: ANGELA RICHARDS AND VARIOUS AGENTS | PO BOX 772755 STEAMBOAT SPRINGS, CO 80477 | AFLAC | $204 | $0 | $204 | 1.70% |
| JULIA VOGEL3 | 10009 KEENAN STREET HIGHLANDS RANCH, CO 80130 | AFLAC | $161 | $0 | $161 | 1.34% |
| THOMAS DAYTON3 | 8015 EAGLE ROAD LARKSPUR, CO 80118 | AFLAC | $92 | $0 | $92 | 0.76% |
| CHARLOTTE PETERSON3 | 15821 TELGE ROAD CYPRESS, TX 77429 | AFLAC | $86 | $0 | $86 | 0.71% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $81 | $0 | $81 | 0.67% |
| GCG FINANCIAL LLC3 | 3401 QUEBEC STREET, SUITE 8000 DENVER, CO 80207 | AFLAC | $47 | $0 | $47 | 0.39% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | BETA HEALTH | $947 | $0 | $947 | 10.00% |
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 | 1,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $1.0M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $324K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 511 | $27K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $315K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $315K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $315K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $1.0M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.