| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $41K | $2K | $43K | 5.19% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOC INC | 9725 E HAMPDEN AVE 400 DENVER, CO 80231 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 4.85% |
| CADA INSURANCE SERVICES INC3 | 290 EAST SPEER BLVD DENVER, CO 80203 | COMPANION LIFE INSURANCE COMPANY | $971 | — | $971 | 3.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $971 | — | $971 | 3.39% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOC INC | 9725 E HAMPDEN AVE 400 DENVER, CO 80231 | COMPANION LIFE INSURANCE COMPANY | $565 | — | $565 | 1.97% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOC INC | 9725 E HAMPDEN AVE 400 DENVER, CO 80232 | COMPANION LIFE INSURANCE COMPANY | $267 | — | $267 | 0.93% |
| CADA INSURANCE SERVICES INC3 Filed as: CADA INSURANCE SERVICES | 290 E. SPEER BLVD. DENVER, CO 80203 | BETA HEALTH | $445 | — | $445 | 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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 170 | $829K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 56 | $40K |
| 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 | 170 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.