| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $44K | $44K | 5.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 1.85% |
| USI INSURANCE SERVICES LLC3 | 6501 S FIDDLERS GREEN CIR SUITE 100 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 4.51% |
| BETA HEALTH ASSOCIATION3 | 6200 S SYRACUSE WAY STE 460 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $1K | — | $1K | 3.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO, LLC | 6501 SOUTH FIDDLERS GREEN CIR SUITE 100 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $433 | — | $433 | 1.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | STE 100 GREENWOOD VILLAGE, CO 80111 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $3K | $8K | 22.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 202914 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $1K | — | $1K | 8.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $212 | — | $212 | 1.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2375 E CAMELBACK ROAD #250 PHOENIX, AZ 85016 | BETA HEALTH | $262 | — | $262 | 6.97% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY STREET LONGMONT, CO 80501 | BETA HEALTH | $24 | — | $24 | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Claims processing Service code 12 | — | $41K |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $813K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 99 | $45K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 147 | $13K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 116 | $34K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 116 | $34K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 116 | $34K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 116 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.