| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 6465 GREENWOOD PLAZA BLVD STE 500 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $28K | $398 | $28K | 3.22% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER STREET STE 600 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $19K | $485 | $20K | 2.27% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 4582 S ULSTER ST STE 600 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $15 | $5K | 6.76% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $182 | $1K | 1.83% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $93 | $1K | 1.47% |
| BETA HEALTH ASSOCIATION3 | 6200 S SYRACUSE WAY STE 460 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 7.86% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 4.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER STREET STE 600 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $1K | — | $1K | 2.75% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | BETA HEALTH | $307 | — | $307 | 5.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 4582 S. ULSTER STREET STE. 600 DENVER, CO 80237 | BETA HEALTH | $155 | — | $155 | 2.55% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 198 | $871K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 148 | $53K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $80K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $80K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $80K |
| Other | MINES & ASSOCIATES | 120 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.