| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO | 2000 S COLORADO BLVD DENVER, CO 80222 | UNITED HEALTHCARE INSURANCE COMPANY | $42K | $39K | $80K | 16.64% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLOR | 2000 S COLORADO BLVD DENVER, CO 80222 | GUARDIAN | $17K | $0 | $17K | 11.08% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INS INC | 4687 W 18TH STREET GREENLY, CO 94110 | GUARDIAN | $4K | $3K | $7K | 4.60% |
| ENROLLEASE3 | 660 YORK STREET STE 102 SAN FRANCISCO, CA 94110 | GUARDIAN | $3K | $0 | $3K | 1.84% |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 98 | $483K |
| Dental | GUARDIAN | 171 | $152K |
| Vision | GUARDIAN | 171 | $152K |
| Life insurance | GUARDIAN | 171 | $152K |
| Short-term disability | GUARDIAN | 171 | $152K |
| Long-term disability | GUARDIAN | 171 | $152K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 98 | $483K |
| Other | GUARDIAN | 171 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.