| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEAK INC3 Filed as: PEAK BENEFITS | 8122 SOUTHPARK LN #210 LITTLETON, CO 80120 | CIGNA | $36K | $39K | $76K | 20.75% |
| PEAK INC3 Filed as: PEAK BENEFITS | 8122 SOUTHPARK LN #210 LITTLETON, CO 80120 | DELTA DENTAL | $5K | — | $5K | 6.71% |
| PEAK INC3 Filed as: PEAK BENEFITS | 8122 SOUTHPARK LN #210 LITTLETON, CO 80120 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.58% |
| SAMUEL BRYAN PERRY3 | 8122 SOUTHPARK LN #210 LITTLETON, CO 80120 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA | Named fiduciary; Float revenue; Direct payment from the plan; Claims processing; Other services; Participant communication; Contract Administrator; Non-monetary compensation 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 | 73 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 77 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 84 | $389K |
| Dental | DELTA DENTAL | 133 | $74K |
| Vision | CIGNA | 84 | $364K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 101 | $34K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 101 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.