| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $104K | $0 | $104K | 3.23% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 15.00% |
| DANIEL CORY3 | 1140 BANNOCK STREET DENVER, CO 80204 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $868 | $1K | $2K | 10.38% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $374 | $2K | 8.37% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.42% |
| JOSHUA TYLER BENNETT3 | 18261 EAST LAYTON PIACE AURORA, CO 80015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.14% |
| JULIE FEDER3 | 5532 SOUTH QUEMOY CIRCLE AURORA, CO 80015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.07% |
| MW INFINITI BENEFITS LLC3 | 11059 EAST BETHANY DRIVE, SUITE 240 AURORA, CO 80014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.06% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 402 | $3.2M |
| Vision | VISION SERVICE PLAN | 0 | $970K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $187K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $187K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $187K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 402 | $3.2M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.