| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLOOD & PETERSON BENEFITS LLC3 | PO BOX 578 GREELEY, CO 806320578 | UNITED HEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 10.31% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON BENEFITS, LLC | PO BOX 578 GREELEY, CO 806320578 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.59% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $537 | $37 | $574 | 3.55% |
| FLOOD & PETERSON BENEFITS LLC3 | PO BOX 578 GREELEY, CO 80632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $0 | $318 | 1.97% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $20 | $270 | 1.67% |
| LINDA W OLGUIN3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $7 | $94 | 0.58% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.22% |
| DEAN SAILER3 | 3409 CONEFLOWER FT. COLLINS, CO 80521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON BENEFITS, LLC | PO BOX 578 GREELEY, CO 80632 | UNITED HEALTHCARE INSURANCE COMPANY | $748 | $0 | $748 | 10.01% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON BENEFITS, LLC | PO BOX 578 GREELEY, CO 80632 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $526 | $0 | $526 | 7.88% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 93 | $27K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 66 | $7K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 115 | $7K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $214K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.