| 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 | 6.60% |
| NORWETA FOX3 | EMPLOYER PLAN SERVICES 4000 HOUSE AVENUE CHEYENNE, WY 82001 | VISION SERVICES PLAN | $460 | $0 | $460 | 1.39% |
| ASSURED EQUITY MANAGEMENT CORP3 Filed as: ASSURED EQUITY MANAGEMENT | 1800 GLENARM #900 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $701 | $0 | $701 | 2.45% |
| OPTIO LLC3 | 8547 E ARAPAHOE RD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $591 | $0 | $591 | 2.06% |
| MELISSA A KOLL3 Filed as: MELISSA KOLL | 216 CLIMAX DR DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | $20 | $465 | 1.62% |
| SARA SORENSEN-CONNICK3 | 8547 E. ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $1 | $56 | 0.20% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.03% |
| SHARLA LEARY3 | 18284 TENNYSON LANE PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMINISTRATOR | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $116K |
| ASSURED EQUITY MANAGEMENT CORP BROKER | Insurance agents and brokers Service code 22 | 1800 GLENARM PL., #900 DENVER, CO 80202 | $49K |
| CIGNA HEALTH & LIFE INSURANCE CO | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication 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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 262 | $840K |
| Vision | VISION SERVICES PLAN | 177 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 262 | $81K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 262 | $110K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 262 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.