| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD. STE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $33K | $41K | 2.18% |
| IMA, INC.3 Filed as: IMA INC (KS) | PO BOX 2992 WICHITA, KS 67201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $24K | $29K | 1.57% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 333 N. GLENOAKS BLVD. STE. 410 BURBANK, CA 91502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 1.27% |
| MARY ALVARADO3 | 16522 GILPIN STREET THORNTON, CO 80602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 12.23% |
| CARLA C MUNOZ3 Filed as: CARLA CHRISTINA MUNOZ | 2560 SOUTH JULIAN STREET DENVER, CO 80219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.66% |
| LINDSAY A LIJEWSKI3 | 5894 EAST CALEY AVENUE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.13% |
| MARC JENKINS3 | 3830 E JEWELL AVE APT 403 DENVER, CO 802103914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $342 | — | $342 | 0.71% |
| JAMES J SCHAMBER3 | 6000 EAST EVANS AVENUE BUILDING 1, SUITE 300 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | — | $241 | 0.50% |
| DAYTON LLC3 | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.21% |
| ELIZABETH B FINEBERG3 | 549 WAGON BEND ROAD BERTHOUD, CO 805132690 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.09% |
| KATHERINE S KEAST-ANDERSON3 Filed as: KATHERINE S ANDERSON | 3853 BUENA VISTA DRIVE LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| KRISTIE A LEATHERS3 Filed as: KRISTIE ANN LEATHERS | 2143 RANCH DR. WESTMINSTER, CO 802342646 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| DONNA BONNE3 | 88 WEST MAPLE AVENUE DENVER, CO 802231839 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| LISA M HALL3 Filed as: LISA MICHELLE HALL | 2542 EAST SUNDOWN DRIVE COUR D ALENE, ID 838159750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JAMES M GARNER3 Filed as: JAMES M. GARNER | 12203 WEST 2ND PLACE APARTMENT 2308 LAKEWOOD, CO 80228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| LARRY W NICHOLSON JR3 | 1331 WEST MOREHEAD STREET 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC, | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $5K | $7K | 18.56% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST N WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.13% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $717 | $717 | 1.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC, | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $6K | 18.29% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST N WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $579 | $579 | 1.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC, | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 12.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $515 | $515 | 1.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC, | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 21.81% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST N WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $990 | — | $990 | 6.97% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $280 | $280 | 1.97% |
| MARK H WIEDEMANN3 | 1249 GURR AVENUE COLUMBUS, GA 31906 | AFLAC | $27 | — | $27 | 3.59% |
| ELIZABETH B FINEBERG3 | 549 WAGON BEND ROAD BERTHOUD, CO 80513 | AFLAC | $20 | — | $20 | 2.66% |
| DANIEL L FRENCH3 | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $14 | — | $14 | 1.86% |
| JAMES M GARNER3 | 10701 MELODY DRIVE SUITE 402 NORTHGLEN, CO 80234 | AFLAC | $9 | — | $9 | 1.20% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DRIVE BOULDER, CO 80304 | AFLAC | $9 | — | $9 | 1.20% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $5 | — | $5 | 0.66% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CREST ALPHARETTA, GA 30004 | AFLAC | $3 | — | $3 | 0.40% |
| JOHN PAUL THOMPSON SR3 | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $3 | — | $3 | 0.40% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | AFLAC | $2 | — | $2 | 0.27% |
| CAROL JANZ3 | 4935 SAINT ANDREWS COURT LOVELAND, CO 80537 | AFLAC | $1 | — | $1 | 0.13% |
| JOSE DE LOS SANTOS III3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.13% |
| TINA WAY3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.13% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 311 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 311 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 311 | $1.9M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $28K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 260 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.