| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOC INC | 9725 E HAMPDEN AVE 400 DENVER, CO 80231 | COMPANION LIFE INSURANCE COMPANY | $915 | — | $915 | 4.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF HRH | 2000 SOUTH COLORADO BLVD. TOWER II STE 900 DENVER, CO 80222 | COMPANION LIFE INSURANCE COMPANY | $641 | — | $641 | 3.39% |
| CADA INSURANCE SERVICES INC3 | 290 EAST SPEER BLVD. DENVER, CO 80203 | COMPANION LIFE INSURANCE COMPANY | $641 | — | $641 | 3.39% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOC INC | 9725 E HAMPDEN AVE 400 DENVER, CO 80231 | COMPANION LIFE INSURANCE COMPANY | $549 | — | $549 | 2.90% |
| CADA INSURANCE SERVICES INC3 Filed as: CADA INSURANCE SERVICES | 290 E. SPEER BLVD. DENVER, CO 80203 | BETA HEALTH ASSOCIATION, INC. | $280 | — | $280 | 3.80% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 47 | $26K |
| Life insurance | AETNA LIFE INSURANCE CO. | 130 | $4K |
| Other | AETNA LIFE INSURANCE CO. | 130 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.