| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATES HEALTH GROUP LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | $41 | $44K | 13.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 2.54% |
| ASSOCIATES HEALTH GROUP LLC3 | 333 WEST HAMPDEN AVENUE SUITE 930 ENGLEWOOD, CO 80110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $41 | $7K | 9.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 3.57% |
| DENNIS ALAN CIRBO3 | 165 SOUTH UNION BOULEVARD SUITE 902 LAKEWOOD, CO 80228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $805 | $805 | 5.00% |
| DENNIS ALAN CIRBO3 | 165 SOUTH UNION BOULEVARD SUITE 902 LAKEWOOD, CO 80228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $621 | $621 | 5.00% |
| ASSOCIATES HEALTH GROUP LLC3 | 333 WEST HAMPDEN AVENUE SUITE 930 ENGLEWOOD, CO 80110 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $453 | — | $453 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF COLORADO, INC. | — | $181 | $181 | 3.99% |
| DENNIS ALAN CIRBO3 | 165 SOUTH UNION BOULEVARD SUITE 902 LAKEWOOD, CO 80228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $433 | — | $433 | 9.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $217 | $217 | 5.01% |
| DENNIS ALAN CIRBO3 | 165 SOUTH UNION BOULEVARD SUITE 902 LAKEWOOD, CO 80228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $384 | — | $384 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $192 | $192 | 5.00% |
| DENNIS ALAN CIRBO3 | 165 SOUTH UNION BOULEVARD SUITE 902 LAKEWOOD, CO 80228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $558 | — | $558 | 14.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $186 | $186 | 5.00% |
| DENNIS ALAN CIRBO3 | 165 SOUTH UNION BOULEVARD SUITE 902 LAKEWOOD, CO 80228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $132 | — | $132 | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $66 | $66 | 5.01% |
| ASSOCIATES HEALTH GROUP LLC3 | 333 WEST HAMPDEN AVENUE SUITE 930 ENGLEWOOD, CO 80110 | CIGNA DENTAL HEALTH OF OHIO, INC. | $18 | — | $18 | 10.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $7 | $7 | 3.91% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $335K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 90 | $70K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 90 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $5K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $20K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $16K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.