| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | ROCKY MOUNTAIN HEALTH CARE OPTIONS, INC. | $69K | $0 | $69K | 4.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 13.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 5.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 10.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.28% |
| BRYAN R. DORMAN3 | 8569 VALLEY RANCH POINT FOUNTAIN, CO 80817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $453 | $0 | $453 | 1.45% |
| BILLY W. OCONNOR3 | 6040 HEATHER LANE MANITOU SPRINGS, CO 80829 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | $0 | $447 | 1.43% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO AND OTHER AGENTS | 9034 EAST EASTER, SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $330 | $0 | $330 | 1.06% |
| THOMAS J PITZENBERGER3 Filed as: THOMAS J. PITZENBERGER | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | $0 | $202 | 0.65% |
| LEXTOR CORPORATION3 | 7290 EAGLE ROCK DRIVE LITTLETON, CO 80125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | $0 | $124 | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY CENTENNIAL, CO 80111 | EYEMED VISION CARE | $2K | $0 | $2K | 8.47% |
| BETA HEALTH ASSOCIATION3 | 9725 EAST HAMPDEN AVENUE, SUITE 400 DENVER, CO 80231 | EYEMED VISION CARE | $2K | $0 | $2K | 7.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6399 SOUTH FIDDLERS GREEN CIRCLE GREENWOOD VILLAGE, CO 80111 | EYEMED VISION CARE | $391 | $0 | $391 | 1.40% |
| BETA HEALTH ASSOCIATION3 | 5575 TECH CENTER DRIVE DENVER, CO 80919 | EYEMED VISION CARE | $152 | $0 | $152 | 0.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | UNITED DENTAL CARE OF COLORADO, INC. | $1K | $0 | $1K | 10.08% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HEALTH CARE OPTIONS, INC. | 319 | $1.5M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 171 | $103K |
| Vision | EYEMED VISION CARE | 380 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $156K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $156K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $156K |
| Prescription drug | ROCKY MOUNTAIN HEALTH CARE OPTIONS, INC. | 319 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
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.