| 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. | $26K | $298 | $27K | 2.87% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR DENVER, CO 80201 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $309 | $4 | $313 | 0.27% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $971 | — | $971 | 5.79% |
| JAMIE L. KETCHUM3 | 2801 VINE STREET DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $473 | — | $473 | 2.82% |
| MJ INSURANCE3 Filed as: J MERRITT MCDOLE AND VARIOUS AGENTS | 6059 SOUTH QUEBEC, SUITE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | — | $320 | 1.91% |
| NANCY LAPHAM3 Filed as: NANCY L. HARMON | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | — | $261 | 1.56% |
| MISTY M KRUG3 Filed as: MISTY M. KRUG | 1686 CHRISTENSEN ROAD MOUNTAIN HOME, AR 72653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 1.39% |
| KRISTA K PRICE3 Filed as: KRISTA A. PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.77% |
| KIEFER GROUP INSURANCE AGCY LLC3 Filed as: KIEFER GROUP INSURANCE , LLC | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.51% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMO COLORADO, INC. | 132 | $925K |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 149 | $117K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 149 | $117K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 172 | $91K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 172 | $91K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 172 | $91K |
| Prescription drug | HMO COLORADO, INC. | 132 | $925K |
| Other(3 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 172 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
No prospect flags tripped on this filing.