| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY HECKLINGER3 | P.O. BOX 7050 ENGLEWOOD, CO 80155 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.92% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $685 | — | $685 | 5.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | P.O. BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $649 | — | $649 | 5.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, VA 22943 | UNITED DENTAL CARE OF COLORADO, INC. | $342 | — | $342 | 3.97% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNITED DENTAL CARE OF COLORADO, INC. | $261 | — | $261 | 3.03% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED DENTAL CARE OF COLORADO, INC. | 58 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $12K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 140 | $22K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.