| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONE BENEFITS PLACE, INC.3 | 17011 LINCOLN AVENUE, SUITE 412 PARKER, CO 76990 | UNITEDHEALTHCARE INSURANCE COMPANY | $44 | $57K | $57K | 5.89% |
| ONE BENEFITS PLACE, INC.3 | 17011 LINCOLN STREET, SUITE 412 PARKER, CO 80134 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $8K | $21K | 15.04% |
| ONE BENEFITS PLACE, INC.3 | 17011 LINCOLN STREET, SUITE 412 PARKER, CO 80134 | BEAZLEY INSURANCE COMPANY INC | $4K | $0 | $4K | 14.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BEAZLEY INSURANCE COMPANY INC | $911 | $0 | $911 | 3.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | BEAZLEY INSURANCE COMPANY INC | $227 | $0 | $227 | 0.75% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $143K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $143K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $143K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $143K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.