| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $73K | $379K | $452K | 119.40% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 1.86% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $98K | $105K | 32.63% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISORS GROUP LLC | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $69K | $81K | 25.20% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $37K | $48K | 14.98% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISORS GROUP LLC | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $39K | $45K | 13.88% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $33K | $40K | 12.35% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISORS GROUP LLC | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $25K | $28K | 8.62% |
| CENTENNIAL ADVISOR GROUP LLC3 | 10700 E GEDDES AVE SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $21K | $27K | 8.35% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $379K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 282 | $322K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 282 | $322K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 282 | $322K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 282 | $322K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 282 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
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.