| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS CARTER3 | 7748 S GRAPE CT CENTENNIAL, CO 80122 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $35K | $39K | 3.55% |
| DELPHI EMPLOYEE BENEIFTS LLC3 | 10199 PLYMOUTH CT PARKER, CO 80134 | UNITEDHEALTHCARE INSURANCE COMPANY | $297 | $13K | $13K | 1.22% |
| ANGELA C RUDOLPH3 | 10199 PLYMOUTH CT PARKER, CO 80134 | UNITEDHEALTHCARE INSURANCE COMPANY | $134 | $5K | $5K | 0.43% |
| DENNIS CARTER3 | 10940 S PARKER ROAD, SUITE 513 PARKER, CO 80134 | BEAZLEY INSURANCE COMPANY INC | $5K | — | $5K | 9.09% |
| DELPHI EMPLOYEE BENEIFTS LLC3 | 10199 PLYMOUTH CT PARKER, CO 80134 | BEAZLEY INSURANCE COMPANY INC | $3K | — | $3K | 5.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE | 12404 PARK CENTRAL DR., STE400S DALLAS, TX 75251 | BEAZLEY INSURANCE COMPANY INC | $956 | — | $956 | 1.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR., STE400S DALLAS, TX 752511803 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| DG ENTERPRISES3 | 10940 S PARKER ROAD, SUITE 513 PARKER, CO 801347440 | VISION SERVICE PLAN | $891 | — | $891 | 3.76% |
| DELPHI EMPLOYEE BENEIFTS LLC3 | 10199 PLYMOUTH CT PARKER, CO 80134 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.1M |
| Vision | VISION SERVICE PLAN | 175 | $24K |
| Other | BEAZLEY INSURANCE COMPANY INC | 67 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.