| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | HMO COLORADO, INC. | $36K | $49 | $36K | 3.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 46510 DENVER, CO 80201 | HMO COLORADO, INC. | -$3K | -$25 | -$3K | -0.31% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR DENVER, CO 80201 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $205 | — | $205 | 0.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 46510 DENVER, CO 80201 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | -$17 | — | -$17 | -0.02% |
| JAMIE L. KETCHUM3 | 725 31ST STREET DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.94% |
| NANCY LAPHAM3 Filed as: NANCY L. HARMON | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $387 | — | $387 | 1.73% |
| KIEFER GROUP INSURANCE AGENCY LLC3 Filed as: KIEFER GROUP INSURANCE AGENCY, LLC | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | — | $185 | 0.83% |
| J MERRITT MCDOLE3 Filed as: J. MERRITT MCDOLE | 6059 SOUTH QUEBEC, SUITE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | — | $184 | 0.82% |
| JOSE DE LOS SANTOS III3 | 155 INVERENS SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.33% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERENS SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.30% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMO COLORADO, INC. | 151 | $1.0M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 149 | $106K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 149 | $106K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 179 | $89K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 179 | $89K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 179 | $89K |
| Prescription drug | HMO COLORADO, INC. | 151 | $1.0M |
| Other(3 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 179 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.