| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | SERVICES INC. 12404 PARK CENTRAL DR, STE 400 DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $53K | — | $53K | 4.88% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY STE 200 JOHNSTOWN, CO 80534 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $48K | — | $48K | 4.46% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PKWY STE 200 JOHNSTOWN, CO 80534 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 2.91% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD - CO & WY | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.28% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | UNITEDHEALTHCARE INSURANCE COMPANY | $750 | — | $750 | 0.25% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINANCIAL SERVICES-009K437 | 4848 THOMPSON PARKWAY STE 200 JOHNSTOWN, CO 80534 | GUARDIAN | $17K | $7K | $24K | 13.63% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINANCIAL SERVICES-000LB73 | 4848 THOMPSON PARKWAY STE 200 JOHNSTOWN, CO 80534 | GUARDIAN | $3K | — | $3K | 1.60% |
| PFS INSURANCE GROUP LLC3 Filed as: PFS INSURANCE GROUP, LLC | 4848 THOMPSON PARKWAY STE #200 JOHNSTOWN, CO 80534 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $6K | — | $6K | 5.33% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 162 | $1.5M |
| Dental | GUARDIAN | 315 | $178K |
| Vision | GUARDIAN | 315 | $178K |
| Life insurance | GUARDIAN | 315 | $178K |
| Short-term disability | GUARDIAN | 315 | $178K |
| Long-term disability | GUARDIAN | 315 | $178K |
| Other | GUARDIAN | 315 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.