| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTHNOW NEW YORK, INC. | $76K | — | $76K | 1.74% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | HEALTHNOW NEW YORK, INC. | $34K | — | $34K | 0.78% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | BLUE CARE NETWORK OF MICHIGAN | $39K | — | $39K | 4.42% |
| GROUP BENEFITS SVCS. INS. AGENCY3 Filed as: GROUP BENEFITS SERVICES INS. AGENCY | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | UNION SECURITY INSURANCE COMPANY | $4K | $9K | $13K | 3.54% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC. | 8055 EST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 0.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 0.55% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $10K | — | $10K | 8.00% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE | 8055 EAST TUFTS AVENEU SUITE 1000 DENVER, CO 80237 | HEALTHNOW NEW YORK, INC. | $2K | — | $2K | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTHNOW NEW YORK, INC. | $638 | — | $638 | 0.54% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | — | $6K | 8.00% |
| JAMES SMALLWOOD3 | 8055 EAST TUFTS AVENUE DENVER, CO 80237 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 6.26% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 4.37% |
| KATIE J FLETCHER3 Filed as: KATIE J. FLETCHER | 9247 NORTH MERIDAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.61% |
| JEFFREY P PRICE3 Filed as: JEFFREY P. PRICE | 3864 SOUTH QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.17% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC. | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $814 | — | $814 | 1.54% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $677 | — | $677 | 1.28% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $530 | — | $530 | 1.00% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | — | $286 | 0.54% |
| NANCY LAPHAM3 Filed as: NANCY L. HARMON | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.31% |
| J MERRITT MCDOLE3 Filed as: J. MERRITT MCDOLE | 6059 SOUTH QUEBEC SUITE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.22% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.20% |
| KRISTA K PRICE3 Filed as: KRISTA K. PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.16% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.11% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 8.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 8.00% |
| GROUP BENEFITS SERVICES LLC3 Filed as: GROUP BENEFITS SERVICES | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | — | $1K | 8.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $380 | — | $380 | 8.01% |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTHNOW NEW YORK, INC. | 289 | $5.4M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 554 | $452K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 554 | $1.3M |
| Life insurance(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 338 | $141K |
| Short-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 113 | $33K |
| Long-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 302 | $94K |
| Prescription drug(4 contracts, 2 carriers) | HEALTHNOW NEW YORK, INC. | 289 | $5.4M |
| Other(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 338 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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."
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.