| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGRON HIEIGHTS, IL 600063009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $61K | $61K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | DELTA DENTAL OF COLORADO | $10K | — | $10K | 3.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $43K | $3K | $46K | 21.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $28K | $2K | $30K | 21.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 5.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $7K | $495 | $8K | 21.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6300 S SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | $291 | $4K | 21.41% |
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 | 1,611 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $6.3M |
| Dental | DELTA DENTAL OF COLORADO | 0 | $250K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE | 0 | $37K |
| Life insurance(2 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $237K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $141K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $36K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.