| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY INC | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | DELTA DENTAL OF OHIO | $21K | — | $21K | 4.89% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF OHIO | $17K | — | $17K | 3.88% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $18K | 11.84% |
| USI INSURANCE SERVICES LLC3 | 1301 W 9TH ST STE 3800 CLEVEAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 9.24% |
| MJ INSURANCE3 Filed as: USA INSURANE SWERVICESS LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 2.31% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $831 | $9K | 11.84% |
| USI INSURANCE SERVICES LLC3 | 1301 W 9TH ST STE 3800 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 6289 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.31% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR W STE 350 ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $689 | $5K | 6.61% |
| USI INSURANCE SERVICES LLC3 | 1301 W 9TH ST WSTE 3800 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.58% |
| USI INSURANCE SERVICES LLC3 | 1301 W 9TH ST STE 3800 CLEVLAND, OH 44114 | UNUM INSURANCE COMPANY | $7K | — | $7K | 22.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 4.41% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY INC | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | DENTEGRA INSURANCE COMPANY | $1K | — | $1K | 5.72% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DENTEGRA INSURANCE COMPANY | $1K | — | $1K | 4.16% |
| USI INSURANCE SERVICES LLC3 | 1301 W 9TH ST STE 3800 CLEVELEAND, OH 44144 | UNUM INSURANCE COMPANY | $5K | — | $5K | 21.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $0 | $992 | $992 | 4.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3 | $3 | 5.36% |
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 | 892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 1,182 | $450K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO (EYEMED VISION CARE) | 1,125 | $54K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 579 | $225K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $77K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 579 | $71K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 579 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,182 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.