| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | $4K | $71K | 5.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FNCL. SERVICES | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $61K | $61K | 4.76% |
| VARIOUS - SEE ATTACHED3 Filed as: CONTINENTAL AMERICAN INSURANCE | P.O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 14.46% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FNCL. SERVICES | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.18% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | VISION SERVICE PLAN | $1K | — | $1K | 4.34% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.35% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FNCL. SERVICES | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $994 | $994 | 4.18% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 12.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FNCL. SERVICES | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $465 | $465 | 4.19% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.3M |
| Vision | VISION SERVICE PLAN | 192 | $28K |
| Life insurance(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 228 | $108K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 180 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $58K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 228 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.