| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | $1K | $35K | 6.96% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 9.20% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $5K | — | $5K | 5.01% |
| KRISTA K PRICE3 | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.07% |
| CY, INC MOODY INSURANCE AGEN3 | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.57% |
| JEFFREY P PRICE3 | 3864 SOUTH QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | — | $232 | 0.69% |
| KATIE J FLETCHER3 | 21263 STATE HIGHWAY 148 MARYVILLE, MA 64468 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 0.67% |
| KRISTA K PRICE3 | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 0.55% |
| CY, INC MOODY INSURANCE AGEN3 | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.32% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.29% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.27% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 11747 SOUTH SUN TEA WAY SOUTH JORDAN, UT 84009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.23% |
| J MERRITT MCDOLE3 | 11190 SOUTHWEST FOOTHILL DRIVE PORTLAND, OR 97225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.13% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 1270 HOPEWELL CREST ALPHARETTA, GA 30004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.08% |
| MELISSA B BOYLE3 | 24 BUTTONWOOD DRIVE JACKSON, TN 38305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| JOSE DE LOS SANTOS III3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| CE AGCY LLC KIEFER GROUP INSURANCE3 Filed as: CE AGCY LLC KIEFER GROUP INSURAN | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 224 | $98K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $153K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $153K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $153K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $153K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $501K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.