| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $73K | $129K | $203K | 41.36% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANAD | $6K | $83K | $89K | 33.49% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANAD | $10K | $54K | $64K | 23.95% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANAD | $4K | $29K | $33K | 12.57% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANAD | $4K | $24K | $28K | 10.58% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANAD | $5K | $22K | $27K | 10.11% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANAD | $5K | $21K | $26K | 9.68% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANAD | $2K | $23K | $25K | 9.43% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANAD | $1K | $9K | $11K | 4.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTENNIAL ADVISOR GROUP LLC NONE | Actuarial Service code 11 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | $91K |
| CIGNA HEALTH AND LIFE INSURACE CO | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE CO | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Non-monetary compensation; Named fiduciary; Float revenue Service code 12 | — | $0 |
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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $490K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANAD | 154 | $265K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANAD | 154 | $265K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANAD | 154 | $265K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANAD | 154 | $265K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANAD | 154 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.