| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $1K | $31K | 7.47% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $2K | $15K | 10.68% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 5.00% |
| KRISTA K PRICE3 | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.71% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $975 | — | $975 | 2.95% |
| JEFFREY P PRICE3 | 3864 SOUTH QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | — | $241 | 0.73% |
| KATIE J FLETCHER3 | 9247 NORTH MERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 0.66% |
| KRISTA K PRICE3 | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204 | — | $204 | 0.62% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | — | $110 | 0.33% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.29% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.27% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.25% |
| J MERRITT MCDOLE3 | 12120 SOUTHWEST FOOTHILL DRIVE PORTLAND, OR 97225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.15% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.08% |
| MELISSA B BOYLE3 | 6300 EAST HAMPDEN AVENUE C101 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE # 1000 DENVER, CO 80237 | FIDELITY SECURITY LIFE | $713 | $200 | $913 | 16.65% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 227 | $89K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $142K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $142K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $142K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $142K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $421K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.