| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH - WILLIS OF COLORADO INC. | 2000 S COLORADO BLVD 900 TOWER II DENVER, CO 80222 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $846 | $35K | 3.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 2000 S COLORADO BLVD TWR II STE 900 DENVER, CO 80222 | SUN LIFE ASSURANCE ASSOCIATION | $3K | — | $3K | 12.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE ASSOCIATION | — | $369 | $369 | 1.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | EYEMED VISION CARE | $552 | — | $552 | 9.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 720 S COLORADO BLVD STE 600 DENVER, CO 80246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $967 | $128 | $1K | 21.42% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $1.1M |
| Vision | EYEMED VISION CARE | 139 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $5K |
| Long-term disability | SUN LIFE ASSURANCE ASSOCIATION | 109 | $25K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
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.