| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $99K | $2K | $101K | 2.20% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $15K | — | $15K | 5.01% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 6.66% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.86% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 6.87% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.01% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.69% |
| WENDELL CUMMINGS3 | P.O. BOX 411 SEDALIA, CO 80135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $378 | — | $378 | 2.93% |
| VINCENT CHARLES MCDOWELL3 Filed as: VINCENT MCDOWELL | 1535 E LINCOLN ROAD IDAHO FALLS, ID 83401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 1.19% |
| JAMES M GARNER3 Filed as: JAMES GARNER | 640 GOOSE BERRY DR, UNIT 303 LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.88% |
| KATHERINE S ANDERSON3 Filed as: KATHERINE KEAST-ANDERSON | 2050 EAST 101ST COURT THORNTON, CO 80239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.80% |
| INGA MCDOWELL3 | 10600 CHEVROLET WAY, SUITE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.57% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT STORJOHANN | 10110 EATON STREET WESTMINSTER, CO 80020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.43% |
| JONATHAN KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.39% |
| LISA HALL3 | 2542 E SUNDOWN ROAD COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.18% |
| TROY J KIDD3 Filed as: TROY KIDD | 13066 EMERSON STREET THORNTON, CO 80241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.17% |
| TINA WAY3 | 155 INVERNESS DRIVE W, SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.12% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE W, SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| THURMAN ERGENBRIGHT II3 Filed as: THURMAN ERGENBRIGHT | 6522 SHEA PLACE HIGHLAND RANCH, CO 80130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| JAMES M GARNER3 Filed as: JAMES WORLEY | 10393 YATES COURT WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 1331 W MOREHEAD ST CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| LARRY HIGMAN3 | 34723 COUNTY ROAD 21 ELIZABETH, CO 80107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| WENDELL CUMMINGS3 | PO BOX 411 SEDALIA, CO 80135 | AFLAC | $174 | — | $174 | 1.87% |
| FRANCINE BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $150 | — | $150 | 1.62% |
| ROBERT C BERTRAM3 Filed as: ROBERT BERTRAM | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $133 | — | $133 | 1.43% |
| THERESA CHAMBLISS3 | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $90 | — | $90 | 0.97% |
| JO ANNE ALLEN LLC3 | 6110 LAGOLONDRINA CT WHITEWATER, CO 81527 | AFLAC | $66 | — | $66 | 0.71% |
| RYAN DAVID BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $52 | — | $52 | 0.56% |
| KATHERINE ANDERSON3 | 2050 E 101ST CT THORNTON, CO 80229 | AFLAC | $35 | — | $35 | 0.38% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $25 | — | $25 | 0.27% |
| MARY R HAUGHT3 Filed as: MARY KIMBERLY KUXHAUSEN | 2016 VAN BUREN AVE LOVELAND, CO 80538 | AFLAC | $25 | — | $25 | 0.27% |
| DEBRA GAPP3 | 3658 G 7/10 RD PALISADE, CO 81526 | AFLAC | $16 | — | $16 | 0.17% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $14 | — | $14 | 0.15% |
| JOHN THOMPSON3 | 6395 S KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $13 | — | $13 | 0.14% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $13 | — | $13 | 0.14% |
| TROY J KIDD3 Filed as: TROY KIDD | 13061 EMERSON ST THORNTON, CO 80241 | AFLAC | $12 | — | $12 | 0.13% |
| TANYA RAE BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $11 | — | $11 | 0.12% |
| SCOTT ROBERT STORJOHANN3 | 10701 MELODY DR, STE 500 NORTHGLENN, CO 80234 | AFLAC | $10 | — | $10 | 0.11% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF LLC | 13580 SW CRESTLINE CT TIGARD, OR 97224 | AFLAC | $10 | — | $10 | 0.11% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $10 | — | $10 | 0.11% |
| CHRIS VICKERS3 | 330 WALNUT ST FORT MORGAN, CO 80701 | AFLAC | $9 | — | $9 | 0.10% |
| JEANNE R BUFFINGTON3 Filed as: JEANNE BUFFINGTON | 24944 N US HIGHWAY 85 NEWCASTLE, WY 82701 | AFLAC | $7 | — | $7 | 0.08% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $6 | — | $6 | 0.06% |
| ALLISON FARRIS WENDELBERGER3 | 2017 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $3 | — | $3 | 0.03% |
| LAWRENCE A ELMORE3 Filed as: LAWRENCE ELMORE | PO BOX 244 MORRISON, CO 80465 | AFLAC | $1 | — | $1 | 0.01% |
| TANYA L MARTINSON3 Filed as: TANYA MARTINSON | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $1 | — | $1 | 0.01% |
| SARA BRIERY3 | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $1 | — | $1 | 0.01% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 650 | $4.6M |
| Dental | DELTA DENTAL OF COLORADO | 703 | $302K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 433 | $37K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 598 | $85K |
| Short-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $193K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 481 | $140K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 598 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.