| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBECON | 11755 E PEAKVIEW AVE #250 ENGLEWOOD, CO 80111 | DELTA DENTAL OF WYOMING | $11K | — | $11K | 5.00% |
| NOVO BENEFITS, LLC | 11755 E PEAKVIEW AVE STE 250 CENTENNIAL, CO 801116856 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM LLC | 11755 E PEAKVIEW AVE STE 250 ENGLEWOOD, CO 801116856 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $208 | $4K | 20.70% |
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 | 325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WYOMING | 250 | $217K |
| Vision | VISION SERVICE PLAN | 202 | $41K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $21K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.