| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | $0 | $50K | 4.79% |
| USI INSURANCE SERVICES LLC3 | 5990 GREENWOOD PLAZA BOULEVARD SUITE 250 GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $559 | $6K | 10.92% |
| KRISTA K PRICE3 Filed as: KRISTA K. PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 14.13% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.56% |
| CLINTON CHARLES ZELEZ3 Filed as: CLINTON C. ZELEZ | 6986 WEST QUAIL AVENUE GLENDALE, AZ 85308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $269 | $0 | $269 | 1.26% |
| ELIZABETH B FINEBERG3 Filed as: ELIZABETH B. FINEBERG | 549 WAGON BEND ROAD BERTHOUD, CO 80513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.26% |
| JEFF KLEINMAN3 | 33202 NORTH 46TH WAY CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.26% |
| MJ INSURANCE3 Filed as: LARRY NICHOLSON AND VARIOUS AGENTS | 1331 WEST MOREHEAD STREET SUITE 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.12% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT R STORJOHANN | 1010 EATON STREET WESTMINSTER, CO 80020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.06% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 93 | $58K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $1.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $1.0M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $1.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $1.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.