| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80222 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 2.82% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 802034325 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 2.65% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $0 | $5K | 9.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.77% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST SUITE 650 DENVER, CO 80203 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | $0 | $1K | 9.22% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 12.76% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $757 | $0 | $757 | 8.60% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $449 | $0 | $449 | 12.00% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 153 | $58K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 135 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $10K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.