| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF COLORADO INC. | 720 S COLORADO BLVD, STE 600 DENVER, CO 80246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83K | — | $83K | 5.88% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF COLORADO INC. | 720 SOUTH COLORADO BLVD, SUITE 600 DENVER, CO 80246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | — | $79K | 6.54% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF COLORADO INC. | 720 SOUTH COLORADO BLVD, SUITE 600 DENVER, CO 80246 | DELTA DENTAL OF COLORADO | $21K | — | $21K | 2.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF COLORADO INC | 720 S COLORADO BLVD STE 600 DENVER, CO 80246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 3.22% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF COLORADO INC. | 720 S COLORADO BLVD, STE 600 DENVER, CO 80246 | VISION SERVICE PLAN | $41K | — | $41K | 16.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH , LLC EIN 23-2229683 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $46K |
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 | 1,059 | 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) | 1,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 281 | $2.0M |
| Dental | DELTA DENTAL OF COLORADO | 2,432 | $1.1M |
| Vision | VISION SERVICE PLAN | 750 | $257K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,866 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,058 | $553K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 281 | $2.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 942 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,432 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.