| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVENUE ENGLEWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $791 | — | $791 | 0.11% |
| HOME LOAN & INVESTMENT COMPANY3 Filed as: HOME LOAN & INVESTMENT | 205 N 4TH STREET GRAND JUNCTION, CO 81501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $791 | — | $791 | 0.11% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $90 | $90 | 0.01% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVENUE ENGLEWOOD, CO 80111 | DELTA DENTAL OF COLORADO | $5K | — | $5K | 0.78% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVENUE ENGLEWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.34% |
| HOME LOAN & INVESTMENT COMPANY3 Filed as: HOME LOAN & INVESTMENT | 205 N 4TH STREET GRAND JUNCTION, CO 81501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.34% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $246 | $246 | 0.14% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVENUE ENGLEWOOD, CO 80111 | VISION SERVICE PLAN | $3K | — | $3K | 2.79% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVENUE ENGLEWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $532 | — | $532 | 0.91% |
| HOME LOAN & INVESTMENT COMPANY3 Filed as: HOME LOAN & INVESTMENT | 205 N 4TH STREET GRAND JUNCTION, CO 81501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $532 | — | $532 | 0.91% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $61 | $61 | 0.10% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVENUE ENGLEWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $448 | — | $448 | 1.29% |
| HOME LOAN & INVESTMENT COMPANY3 Filed as: HOME LOAN & INVESTMENT | 205 N 4TH STREET GRAND JUNCTION, CO 81501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $448 | — | $448 | 1.29% |
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 | 948 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 703 | $619K |
| Vision | VISION SERVICE PLAN | 602 | $105K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 948 | $884K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 948 | $714K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 948 | $773K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 948 | $919K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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."
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.