| 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 | $1K | $1K | 0.11% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $759 | $4K | $4K | 4.83% |
| BRUCE A BALLENGER3 Filed as: BRUCE A. BALLENGER | 1117 SEA BISCUIT DRIVE COLORADO SPRINGS, CO 80921 | CONTINENTAL AMERICAN INSURANCE COMPANY | $903 | $0 | $903 | 3.82% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $776 | $0 | $776 | 3.28% |
| BRUCE A BALLENGER3 Filed as: BRUCE A. BALLENGER | PO BOX 62385 COLORADO SPRINGS, CO 80962 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 0.63% |
| CASEY J HIGGINS3 Filed as: CASEY J. HIGGINS | 3083 LYMANS RUN SUN PRAIRIE, WI 53590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | 0.50% |
| MJ INSURANCE3 Filed as: NANCY L. HARMON AND VARIOUS AGENTS | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | $0 | $92 | 0.39% |
| DAYTON LLC Filed as: DAYTON, LLC | 5445 DTC PARKWAY, SUITE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.24% |
| JAMIE L. KETCHUM3 | 2801 VINE STREET DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.16% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 135 | $1.1M |
| Dental | DELTA DENTAL OF COLORADO | 161 | $72K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 135 | $1.1M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 182 | $91K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 182 | $91K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 182 | $91K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 135 | $1.1M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 182 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
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.