| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLOOD & PETERSON BENEFITS LLC3 | PO BOX 578 GREELEY, CO 806320578 | UNITED HEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 9.43% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON BENEFITS, LLC | PO BOX 578 4687 W 18TH STREET GREELEY, CO 806320578 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.07% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $993 | $2K | 10.70% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $784 | $218 | $1K | 5.03% |
| FLOOD & PETERSON BENEFITS LLC3 | 4687 W 18TH STREET GREELEY, CO 80634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | $0 | $862 | 4.33% |
| LINDA W OLGUIN3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | $81 | $305 | 1.53% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.18% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON BENEFITS, LLC | PO BOX 578 GREELEY, CO 80632 | UNITED HEALTHCARE INSURANCE COMPANY | $791 | $0 | $791 | 10.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON BENEFITS, LLC | PO BOX 578 GREELEY, CO 80632 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $493 | $0 | $493 | 7.11% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 91 | $26K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 68 | $7K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 120 | $8K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 132 | $239K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 120 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.