| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $3K | — | $3K | 8.65% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO, | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | ONEAMERICA | $2K | — | $2K | 6.35% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | ONEAMERICA | $1K | — | $1K | 4.00% |
| NICK HUMBLE3 | — | ONEAMERICA | $725 | — | $725 | 2.00% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $2K | — | $2K | 8.67% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO, | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | ONEAMERICA | $1K | — | $1K | 6.34% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 14067 | ONEAMERICA | $836 | — | $836 | 4.00% |
| NICK HUMBLE3 | — | ONEAMERICA | $417 | — | $417 | 2.00% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | STANDARD LIFE AND ACCIDENT | $1K | — | $1K | 8.70% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO, | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | STANDARD LIFE AND ACCIDENT | $1K | — | $1K | 6.29% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $850 | — | $850 | 5.00% |
| NICK HUMBLE3 | — | STANDARD LIFE AND ACCIDENT | $683 | — | $683 | 4.01% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $1K | — | $1K | 8.74% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO, | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | ONEAMERICA | $916 | — | $916 | 6.26% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | ONEAMERICA | $586 | — | $586 | 4.00% |
| NICK HUMBLE3 | — | ONEAMERICA | $293 | — | $293 | 2.00% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO, | — | ASSURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 70.86% |
| FIRST INSURANCE GROUP LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $148 | — | $148 | 1.08% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | STANDARD LIFE AND ACCIDENT | $741 | — | $741 | 8.47% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO, | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | STANDARD LIFE AND ACCIDENT | $573 | — | $573 | 6.55% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $438 | — | $438 | 5.00% |
| NICK HUMBLE3 | — | STANDARD LIFE AND ACCIDENT | $351 | — | $351 | 4.01% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $275 | — | $275 | 8.63% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO, | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | ONEAMERICA | $207 | — | $207 | 6.49% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | ONEAMERICA | $128 | — | $128 | 4.02% |
| NICK HUMBLE3 | — | ONEAMERICA | $71 | — | $71 | 2.23% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $233 | — | $233 | 8.55% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO, | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | ONEAMERICA | $176 | — | $176 | 6.46% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | ONEAMERICA | $109 | — | $109 | 4.00% |
| NICK HUMBLE3 | — | ONEAMERICA | $54 | — | $54 | 1.98% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | STANDARD LIFE AND ACCIDENT | $135 | — | $135 | 8.96% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO, | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | STANDARD LIFE AND ACCIDENT | $90 | — | $90 | 5.98% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $75 | — | $75 | 4.98% |
| NICK HUMBLE3 | — | STANDARD LIFE AND ACCIDENT | $60 | — | $60 | 3.98% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $32 | — | $32 | 8.79% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO, | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | ONEAMERICA | $24 | — | $24 | 6.59% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | ONEAMERICA | $15 | — | $15 | 4.12% |
| NICK HUMBLE3 | — | ONEAMERICA | $7 | — | $7 | 1.92% |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 87 | $40K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 87 | $40K |
| Life insurance(4 contracts) | ONEAMERICA | 124 | $27K |
| Short-term disability(2 contracts) | ONEAMERICA | 124 | $39K |
| Long-term disability(2 contracts) | ONEAMERICA | 124 | $18K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 84 | $116K |
| Other(9 contracts, 4 carriers) | AMERITAS LIFE INSURANCE CORP. | 124 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.