| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY #200 JOHNSTOWN, CO 80534 | KAISER | $53K | $311 | $54K | 5.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR. DALLAS, TX 75251 | KAISER | $8K | $763 | $9K | 0.85% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD-CO & WY | 9420 E DOUBLETREE RANCH RD STE C310 SCOTTSDALE, AZ 852585589 | UNITED HEALTHCARE | $7K | — | $7K | 3.38% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINANCIAL SERVICES | 4848 THOMPSON PARKWAY #200 JOHNSTOWN, CO 80534 | UNITED HEALTHCARE | $2K | — | $2K | 1.12% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY #200 JOHNSTOWN, CO 80534 | KAISER | $4K | — | $4K | 3.99% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINANCIAL SERVICES | 4848 THOMPSON PARKWAY #200 JOHNSTOWN, CO 80534 | GUARDIAN LIFE INSURANCE | $2K | $922 | $3K | 15.10% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINANCIAL SERVICES | 4848 THOMPSON PARKWAY #200 JOHNSTOWN, CO 80534 | GUARDIAN LIFE INSURANCE | $8K | $3K | $11K | — |
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 | 315 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER | 215 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE | 315 | $0 |
| Vision | GUARDIAN LIFE INSURANCE | 0 | $18K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.