| 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 | $675 | $675 | 0.07% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $892 | $5K | $6K | 5.72% |
| BRUCE A BALLENGER3 Filed as: BRUCE A. BALLENGER | 1117 SEA BISCUIT DRIVE COLORADO SPRINGS, CO 80921 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.88% |
| HAYS COMPANIES, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.94% |
| CASEY J HIGGINS3 Filed as: CASEY J. HIGGINS | 3083 LYMANS RUN SUN PRAIRIE, WI 53590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $348 | $0 | $348 | 0.99% |
| MJ INSURANCE3 Filed as: REGINA SANTANAGELO & VARIOUS AGENTS | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | $0 | $203 | 0.58% |
| BRUCE A BALLENGER3 Filed as: BRUCE A. BALLENGER | PO BOX 62385 COLORADO SPRINGS, CO 80962 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | $0 | $177 | 0.50% |
| JAMIE L. KETCHUM3 Filed as: JAMIE L . KETCHUM | 2801 VINE STREET DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.23% |
| DAYTON LLC3 Filed as: DAYTON, LLC | 5445 DTC PARKWAY, SUITE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.18% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 125 | $1.0M |
| Dental | DELTA DENTAL OF COLORADO | 143 | $65K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 128 | $8K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 178 | $101K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 178 | $101K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 178 | $101K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 125 | $1.0M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 178 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.