| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTURY ADMINISTRATIVE SERVICES INC3 | 1685 W UINTAH STREET COLORADO SPRINGS, CO 80904 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 13.69% |
| BENEFIT HEALTH ADVISORS3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 18.52% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.65% |
| BENEFIT HEALTH ADVISORS3 | 9605 KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $481 | $4K | 18.74% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $770 | — | $770 | 3.37% |
| BENEFIT HEALTH ADVISORS3 | 9605 S. KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $368 | $3K | 18.56% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $631 | — | $631 | 3.47% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 244 | $202K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 244 | $202K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 244 | $202K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $54K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.