| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, LLC | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | UNITED HEALTHCARE INSURANCE COMPANY | -$239 | $5K | $5K | 0.63% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, LLC | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 5.25% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, LLC | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 8.92% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 34.38% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, LLC | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | UNITED DENTAL CARE OF COLORADO, INC. | $135 | — | $135 | 5.02% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, LLC | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | UNITED DENTAL CARE OF MISSOURI, INC. | $43 | — | $43 | 8.38% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 248 | $743K |
| Dental(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 128 | $102K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $81K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $81K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $76K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 248 | $743K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.