| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLSON & OLSON INS. SVCS., INC.3 Filed as: OLSON & OLSON IINS SERVICES INC | 5655 SOUTH YOSEMITE STE 200 GREENWOOD VILLAGE, CO 80121 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | — | $79K | 7.22% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INS INC | 4687 18TH ST GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 0.61% |
| OLSON & OLSON INS. SVCS., INC.3 Filed as: OLSON & OLSON INS. SVCS. INC. | 5655 S. YOSEMITE STREET, SUITE 200 GREENWOOD VILLAGE, CO 80121 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SVCS. INC. | 6143 S WILLOW DRIVE, SUITE #200 GREENWOOD VILLAGE, CO 80111 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 5.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INS. INC. | 4687 18TH STREET GREELEY, CO 80634 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 1.30% |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 560 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 560 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 560 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 435 | $93K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 435 | $93K |
| Other | HARTFORD LIFE AND ACCIDENT | 435 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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.