| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COOK & ASSOCIATES INS BROKERS3 Filed as: COOK & ASSOC INS BROKERS INC | 600 GRANT ST STE 720 DENVER, CO 802033528 | CIGNA HEALTH AND LIFE INSURANNCE COMPANY | $55K | — | $55K | 17.89% |
| COOK & ASSOCIATES INSURANCE BROKERS3 | 600 GRANT ST STE 720 DENVER, CO 80203 | DELTA DENTAL OF COLORADO | $7K | — | $7K | 8.00% |
| BRUCE A BALLENGER3 | 1117 SEA BISCUIT DR COLORADO SPRINGS, CO 80921 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.52% |
| BRUCE A BALLENGER3 | PO BOX 62385 COLORADO SPRINGS, CO 80962 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.12% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $648 | — | $648 | 1.76% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | — | $192 | 0.52% |
| DAYTON LLC3 | 5445 DTC PARKWAY STE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.47% |
| CASEY J HIGGINS3 | 3083 LYMANS RUN SUN PRAIRIE, WI 53590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.43% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.24% |
| JENNIFER L FOSS3 | 3807 TRANQUILITY TRL CASTLE ROCK, CO 80109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.23% |
| JENNIFER L FREEMAN3 | 4672 CHARING CT CASTLE ROCK, CO 80109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.17% |
| DON C SUNDAY3 | 2037 S GARY DR LAKEWOOD, CO 80227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.15% |
| JOSE DE LOS SANTOS III3 | 155 INVERENS S DRIVE WEST STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.07% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNES S DRIVE WEST STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| JOHN M WEEKS3 | 6836 BEE CAVE RD BLDG 3 STE 201 AUSTIN, TX 78746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 S QUATAR ST AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| CLINTON ANDERSON3 | 6465 S GREENWOOD PLAZA BLVD STE 750 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| 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 | $3K | — | $3K | 14.24% |
| COOK & ASSOCIATES INS BROKERS3 | 600 N GRANT ST STE 720 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| COOK & ASSOCIATES INS BROKERS3 Filed as: COOK & ASSOCIATES INC | 600 GRANT ST STE 720 DENVER, CO 80203 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 10.77% |
| 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 | $466 | — | $466 | 4.88% |
| BRUCE A BALLENGER3 | 1117 SEA BISCUIT DR COLORADO SPRINGS, CO 80921 | AFLAC | $315 | — | $315 | 3.30% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $135 | — | $135 | 1.41% |
| DAVID HANCOCK INC3 | PO BOX 423 LAVON, TX 75166 | AFLAC | $70 | — | $70 | 0.73% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $64 | — | $64 | 0.67% |
| MELISSA NAMECHE3 | 3114 RUBY RANCH ROAD EVERGREEN, CO 80439 | AFLAC | $42 | — | $42 | 0.44% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $31 | — | $31 | 0.32% |
| JONATHON S KIRKLAND3 Filed as: JONATHON SAMUEL KIRKLAND | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $18 | — | $18 | 0.19% |
| SUSAN C BANKS3 | PO BOX 1948 PAGOSA SPRINGS, CO 81147 | AFLAC | $9 | — | $9 | 0.09% |
| TANYA L MARTINSON3 | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $6 | — | $6 | 0.06% |
| DAVID HANCOCK INC3 Filed as: DAVID G HANCOCK | PO BOX 423 LAVON, TX 75166 | AFLAC | $6 | — | $6 | 0.06% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $5 | — | $5 | 0.05% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $5 | — | $5 | 0.05% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $4 | — | $4 | 0.04% |
| LAWRENCE A ELMORE3 | PO BOX 244 MORRISON, CO 80465 | AFLAC | $1 | — | $1 | 0.01% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANNCE COMPANY | 148 | $354K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF COLORADO | 220 | $139K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 222 | $15K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $44K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $18K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 141 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.