| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED EQUITY MANAGEMENT CORP3 Filed as: ASSURED EQUITY MANAGEMENT CORPORATI | 1800 GLENARM PL., #900 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 10.00% |
| KENNA (VAN PELT) ROTERT3 | EMPLOYER PLAN SERVICES 4000 HOUSE AVENUE CHEYENNE, WY 82001 | VISION SERVICES PLAN | $5K | $0 | $5K | 14.00% |
| PEAK1 ADMINISTRATION5 | 608 NORTHWEST BLVD, SUITE 200 COEUR DALENE, ID 83814 | VISION SERVICES PLAN | $2K | $0 | $2K | 6.00% |
| OPTIO LLC3 | 8547 E ARAPAHOE RD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $607 | $0 | $607 | 2.06% |
| ASSURED EQUITY MANAGEMENT CORP3 Filed as: ASSURED EQUITY MANAGEMENT | 1800 GLENARM #900 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $434 | $0 | $434 | 1.47% |
| MELISSA A KOLL3 Filed as: MELISSA KOLL | 216 CLIMAX DR DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $8 | $343 | 1.16% |
| SARA SORENSEN-CONNICK3 | 8547 E. ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $13 | $24 | 0.08% |
| SHARLA LEARY3 | 18284 TENNYSON LANE PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMINISTRATOR | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Non-monetary compensation; Claims processing Service code 12 | — | $77K |
| ASSURED EQUITY MANAGEMENT CORP BROKER | Insurance agents and brokers Service code 22 | 1800 GLENARM PL., #900 DENVER, CO 80202 | $64K |
| CIGNA HEALTH & LIFE INSURANCE CO | Non-monetary compensation; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Named fiduciary; Claims processing 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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICES PLAN | 177 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $80K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $109K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.