| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $101K | $16K | $118K | 2.39% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $26K | $0 | $26K | 10.02% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $0 | $29K | 14.27% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.17% |
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 | 576 | 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) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 683 | $4.9M |
| Dental | DELTA DENTAL OF COLORADO | 781 | $258K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 611 | $44K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $204K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $204K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $204K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 683 | $4.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 731 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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.
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.