| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $101K | $125K | 3.89% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $70K | $70K | 2.18% |
| MARY ALVARADO3 | 16522 GILPIN STREET THORNTON, CO 80602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 11.55% |
| LINDSAY A LIJEWSKI3 | 6500 S. QUEBEC ST. SUITE 250 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.88% |
| CARLA C MUNOZ3 | 2560 S JULIAN ST DENVER, CO 80219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.54% |
| MARC JENKINS3 | 3830 E JEWELL AVE APT 403 DENVER, CO 802103914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $853 | — | $853 | 0.99% |
| DAYTON LLC3 | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $600 | — | $600 | 0.70% |
| JAMES J SCHAMBER3 | 5700 E FRANKLIN RD STE 110 NAMPA, ID 83687 | CONTINENTAL AMERICAN INSURANCE COMPANY | $390 | — | $390 | 0.45% |
| LINDSAY A LIJEWSKI3 | 5894 E. CALEY AVE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $190 | — | $190 | 0.22% |
| ELIZABETH B FINEBERG3 | 1614 RED MOUNTAIN DR LONGMONT, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 0.13% |
| KATHERINE S KEAST-ANDERSON3 | 2050 EAST 101ST COURT THORNTON, CO 80239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.07% |
| KRISTIE A LEATHERS3 | 2143 RANCH DR. WESTMINSTER, CO 80234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.05% |
| JASON ANDERSON3 Filed as: JASON W ANDERSON | 2050 E 101ST CT THORNTON, CO 80229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| JAMES M GARNER3 | 640 GOOSEBERRY DR UNIT 303 LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| DONNA BONNE3 | 88 W MAPLE AVE DENVER, CO 80223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| ELIZABETH B FINEBERG3 | 549 WAGON BEND RD BERTHOUD, CO 80513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 1331 W MOREHEAD ST 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| JOSE DE LOS SANTOS III3 | 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TROY J KIDD3 | 13066 EMERSON ST THORNTON, CO 80241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MARK H WIEDEMANN3 | 1249 GURR AVE COLUMBUS, GA 31906 | AFLAC | $46 | — | $46 | 3.57% |
| ELIZABETH B FINEBERG3 | 549 WAGON BEND RD BERTHOUD, CO 80513 | AFLAC | $35 | — | $35 | 2.72% |
| DANIEL L FRENCH3 | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $25 | — | $25 | 1.94% |
| JAMES M GARNER3 | 10701 MELODY DR NORTHGLENN, CO 80234 | AFLAC | $15 | — | $15 | 1.16% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $15 | — | $15 | 1.16% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $8 | — | $8 | 0.62% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $5 | — | $5 | 0.39% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $5 | — | $5 | 0.39% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AFLAC | $3 | — | $3 | 0.23% |
| CAROL JANZ3 | 4935 SAINT ANDREWS CT LOVELAND, CO 80537 | AFLAC | $2 | — | $2 | 0.16% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.08% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.08% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 321 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 321 | $3.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 321 | $3.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $100K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $52K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 278 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.