| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES COMPANY, INC | 10807 NW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 4.20% |
| ALTERITY BROKER SOLUTIONS3 | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $12K | $12K | 3.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 1.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES COMPANY, INC | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | DELTA DENTAL OF COLORADO | $6K | $0 | $6K | 2.41% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $4K | $0 | $4K | 1.59% |
| LINDA FORD AND OTHER AGENTS3 | PO BOX 662 CASCADE, CO 80809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 8.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES COMPANY, INC | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.02% |
| KRISTIE A LEATHERS3 Filed as: KRISTIE A. LEATHERS | 2143 RANCH DRIVE WESTMINSTER, CO 80234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.63% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY M. SATTERLEE | 100 SUN AVENUE, SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.18% |
| TONYA M DORMAN3 Filed as: TONYA M. DORMAN | 8569 VALLEY RANCH POINT FOUNTAIN, CO 80817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $772 | $0 | $772 | 0.88% |
| KEVIN NAUMANN3 | 4018 GOODNIGHT AVENUE PUEBLO, CO 81005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $722 | $0 | $722 | 0.83% |
| CASEY J HIGGINS3 Filed as: CASEY J. HIGGINS | 3083 LYMANS RUN SUN PRAIRIE, WI 53590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $717 | $0 | $717 | 0.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES COMPANY, INC | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 7.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 3.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | BETA HEALTH | $763 | $0 | $763 | 3.80% |
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 | 1,408 | 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) | 1,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 742 | $284K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 693 | $45K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,408 | $368K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,408 | $368K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,408 | $368K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,408 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,408 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.