| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $26K | $552 | $26K | 2.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | $0 | $3K | 0.31% |
| ASSUREDPARTNERS3 | 2809 EAST HARMONY ROAD, SUITE 160 FORT COLLINS, CO 80528 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $2K | $26K | 17.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 8.01% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 156 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $155K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $155K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $155K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $155K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 156 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.