| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIS OF COLORADO INC. | 2000 SOUTH COLORADO BOULEVARD TOWER 12 SUITE 90 DENVER, CO 80222 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $21K | — | $21K | 2.84% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $3K | — | $3K | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 555 17TH STREET SUITE 2050 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 8.07% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 321 NORTH CLARK STREET CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $984 | — | $984 | 1.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 2000 SOUTH COLORADO BOULEVARD TOWER II SUITE 900 DENVER, CO 80222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 9.42% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $700 | — | $700 | 2.11% |
| CLINTON CHARLES ZELEZ3 Filed as: CLINTON C ZELEZ | 6986 WEST QUAIL AVENUE GLENDALE, AZ 85308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.41% |
| JEFF KLEINMAN3 | 2355 WEST PINNACLE PEAK ROAD SUITE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 1.31% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.33% |
| SHAWN D HOLTORF3 | 5522 WEST NORTHWOOD DRIVE GLENDALE, AZ 85310 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.20% |
| JEFFERY S GIBSON3 | 9292 EAST TOPEKA DRIVE SCOTTSDALE, AZ 85255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.10% |
| BARABARA MCNAUGHTON3 | 9957 LAUREL CHERRY DRIVE MCKINNEY, TX 75070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.09% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 161 | $751K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 88 | $53K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 161 | $751K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $33K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $33K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $33K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
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.