| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL A SMITH & CO OF COLORADO LTD3 | 11919 NORTH I-70 FRONTAGE ROAD SUITE 108 WHEAT RIDGE, CO 80033 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $7K | — | $7K | 3.25% |
| PAULA A SMITH & CO OF COLORADO LTD3 | 11919 I-70 FRONTAGE ROAD UNIT 108 WHEAT RIDGE, CO 80033 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| PAUL A SMITH & CO OF COLORADO LTD3 Filed as: PAUL A SMITH & CO OF COLO LTD | UNIT 108 11919 I-70 FROTNAGE ROAD N WHEAT RIDGE, CO 80033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| PAUL A SMITH & CO OF COLORADO LTD3 | 11919 NORTH I-70 FROTNAGE ROAD UNIT 108 WHEAT RIDGE, CO 80033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $538 | — | $538 | 10.00% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 25 | $222K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 30 | $34K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 30 | $34K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $5K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.