| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | PO BOX 45279 OMAHA, NE 68145 | AMERITAS LIFE INSURANCE CORP | $11K | $793 | $12K | 11.88% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP | $4K | $0 | $4K | 3.90% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 750 NORTH LINCOLN AVENUE, FLOOR 2 LOVELAND, CO 80537 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $5K | $12K | 21.21% |
| IMA, INC.3 | 14221 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.73% |
| MARSHBERRY CONNECT PLATFORM LLC3 Filed as: MARSHBERRY CONNECT PLATFORM, LLC | PO BOX 72560 CLEVELAND, OH 44192 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.97% |
| ROGERS BENEFIT GROUP INC4 Filed as: M. ROGERS GROUP, LLC | PO BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $1K | $0 | $1K | 13.95% |
| FIRST INSURANCE GROUP LLC4 Filed as: FIRST INSURANCE GROUP, LLC | 750 NORTH LINCOLN AVENUE, 2ND FLOOR LOVELAND, CO 80537 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $492 | $0 | $492 | 6.73% |
| PATRIOT GROWTH INSURANCE SERVICES4 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $54 | $0 | $54 | 0.74% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 367 | $102K |
| Vision | AMERITAS LIFE INSURANCE CORP | 367 | $102K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $56K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $56K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $56K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.