| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 1125 17TH STREET, SUITE 400 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $0 | $2K | $2K | 0.21% |
| HAYS COMPANIES, INC.3 | 1125 17TH STREET, SUITE 400 DENVER, CO 80202 | AMERICAN UNITED INSURANCE COMPANY | $944 | $0 | $944 | 1.12% |
| BRUCE A BALLENGER3 Filed as: BRUCE A. BALLENGER | PO BOX 62385 COLORADO SPRINGS, CO 80962 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.62% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.20% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 88 ROWLAND WAY NOVATO, CA 94945 | CONTINENTAL AMERICAN INSURANCE COMPANY | $690 | $0 | $690 | 2.52% |
| MJ INSURANCE3 Filed as: JENNIFER L. FOSS AND VARIOUS AGENTS | 3807 TRANQUILITY TRAIL CASTLE ROCK, CO 80109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $452 | $0 | $452 | 1.65% |
| JAMIE L. KETCHUM3 | 2801 VINE STREET DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | $0 | $245 | 0.90% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | $0 | $186 | 0.68% |
| DON C SUNDAY3 Filed as: DON C. SUNDAY | 2037 SOUTH GARY DRIVE LAKEWOOD, CO 80227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | $0 | $180 | 0.66% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 141 | $1.0M |
| Dental | DELTA DENTAL OF COLORADO | 179 | $80K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 152 | $1.1M |
| Life insurance | AMERICAN UNITED INSURANCE COMPANY | 167 | $84K |
| Short-term disability | AMERICAN UNITED INSURANCE COMPANY | 167 | $84K |
| Long-term disability | AMERICAN UNITED INSURANCE COMPANY | 167 | $84K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 141 | $1.0M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED INSURANCE COMPANY | 167 | $112K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.