| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST. FL. 12 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $8K | $35K | 3.32% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | — |
| ROXANNE KARTLER3 | 6059 QUEBEC CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | — |
| KRISTA K PRICE3 Filed as: KRISTA A. PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $559 | — | $559 | — |
| JEFFERY PRICE3 | 3864 S. QUINCE ST. DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $559 | — | $559 | — |
| NANCY LAPHAM3 Filed as: NANCY L. HARMON | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $494 | — | $494 | — |
| JAMIE L. KETCHUM3 | 2801 VINE STREET DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $347 | — | $347 | — |
| BRUCE BALLENGER3 | P.O. BOX 62385 COLORADO SPRINGS, CO 80962 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | — |
| JENNIFER L FOSS3 Filed as: JENNIFER FOSS | 9034 E. EASTER PL SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | — |
| KIEFER GROUP INSURANCE AGCY LLC3 Filed as: KIEFER GROUP INSURANCE , LLC | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | — |
| J MERRITT MCDOLE3 | 12120 SW FOOTHILL DR. PORTLAND, OR 97225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | — |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 9034 E. EASTER PL CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | — |
| MISTY M KRUG3 Filed as: MISTY M. KRUG | 1686 CHRISTENSEN ROAD MOUNTAIN HOME, AR 72653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | — |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOS SANTOS | 155 INVERNESS S. DRIVE WEST ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | — |
| TINA WAY3 | 155 INVERNESS S. DRIVE WEST ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | — |
| NANCY CRISTADORO3 | 6326 VACQUERO DR CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | — |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 153 | $92K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 153 | $92K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 153 | $92K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.0M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 202 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.