| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COOK & ASSOCIATES INS BROKERS3 | 600 GRANT ST STE 720 DENVER, CO 80203 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 4.37% |
| COOK & ASSOCIATES INSURANCE BROKERS3 | 600 GRANT ST STE 720 DENVER, CO 80203 | DELTA DENTAL OF COLORADO | $7K | — | $7K | 7.94% |
| BRUCE A BALLENGER3 | PO BOX 62385 COLORADO SPRINGS, CO 80962 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.59% |
| REGINA K SANTANGELO3 | 9034 E EASTER STE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| JENNIFER L FOSS3 | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $409 | — | $409 | 0.98% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $271 | — | $271 | 0.65% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.32% |
| JENNIFER L FREEMAN3 | 4672 CHARING CT CASTLE ROCK, CO 80109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.20% |
| JOSE DE LOS SANTOS III3 | 155 INVERENS S DRIVE WEST STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.10% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNES S DRIVE WEST STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.07% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 S QUATAR ST AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| DON C SUNDAY3 | 2037 S GARY DR LAKEWOOD, CO 80227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| COOK & ASSOCIATES INS BROKERS3 | 600 N GRANT ST STE 720 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| COOK & ASSOCIATES INS BROKERS3 | 600 N GRANT ST STE 720 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| COOK & ASSOCIATES INS BROKERS3 | 600 N GRANT ST STE 720 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MELISSA NAMECHE3 | PO BOX 260850 LAKEWOOD, CO 80226 | AFLAC | $764 | — | $764 | 5.46% |
| BRUCE BALLENGER3 | PO BOX 62385 COLORADO SPRINGS, CO 80962 | AFLAC | $487 | — | $487 | 3.48% |
| KATHY WIEDEMANN3 Filed as: KATHY WIEDMANN | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $184 | — | $184 | 1.31% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $106 | — | $106 | 0.76% |
| DAVID HANCOCK INC3 | PO BOX 423 LAVON, TX 75166 | AFLAC | $90 | — | $90 | 0.64% |
| JOHN THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $48 | — | $48 | 0.34% |
| JONATHON KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $29 | — | $29 | 0.21% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $16 | — | $16 | 0.11% |
| SUSAN C BANKS3 Filed as: SUSAN BANKS | 604 WILLOWBROOK RD SILVERTHORNE, CO 80498 | AFLAC | $15 | — | $15 | 0.11% |
| TANYA L MARTINSON3 Filed as: TANYA MARTINSON | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $8 | — | $8 | 0.06% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $8 | — | $8 | 0.06% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $6 | — | $6 | 0.04% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $4 | — | $4 | 0.03% |
| PATTI ELMORE3 | PO BOX 215 ANANOLA, HI 96703 | AFLAC | $2 | — | $2 | 0.01% |
| SARA BRIERY3 | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $1 | — | $1 | 0.01% |
| COOK & ASSOCIATES INS BROKERS3 Filed as: COOK & ASSOCIATES INC | 600 GRANT ST STE 720 DENVER, CO 80203 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $1K | — | $1K | 9.95% |
| COOK & ASSOCIATES INS BROKERS3 | 600 N GRANT ST STE 720 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $889 | — | $889 | 10.00% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $969K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 211 | $126K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 203 | $13K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $52K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $15K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 140 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.