| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATES HEALTH GROUP LLC3 | 333 W HAMPDEN AVE., SUITE 930 ENGLEWOOD, CO 801102479 | UNITED HEALTHCARE INSURANCE COMPANY | $31K | $3K | $34K | 3.48% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CA 802114315 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 0.96% |
| JOHN W LOWDERMILK3 Filed as: JOHN C DOWNING II | 5299 DTC BLVD., SUITE 540 GREENWOOD VILLAGE, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 12404 PARK CENTRAL DR., #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.79% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GRP LLC | 2829 WYANDOT STREET DENVER, CO 80211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $466 | $0 | $466 | 1.43% |
| JOHN W LOWDERMILK3 Filed as: JOHN C DOWNING II | 5299 DTC BLVD., SUITE 540 GREENWOOD VILLAGE, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS. | 12404 PARK CENTRAL DR., #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.83% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GRP LLC | 2829 WYANDOT STREET DENVER, CO 80211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $619 | $0 | $619 | 2.35% |
| JOHN W LOWDERMILK3 Filed as: JOHN C DOWNING II | 5299 DTC BLVD., SUITE 540 GREENWOOD VILLAGE, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 12404 PARK CENTRAL DR., #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $610 | $610 | 3.85% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GRP LLC | 2829 WYANDOT STREET DENVER, CO 80211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $549 | $0 | $549 | 3.46% |
| JOHN W LOWDERMILK3 Filed as: JOHN C DOWNING II | 5299 DTC BLVD., SUITE 540 GREENWOOD VILLAGE, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS. | 12404 PARK CENTRAL DR. #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $486 | $486 | 3.92% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GRP LLC | 2829 WYANDOT STREET DENVER, CO 80211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $290 | $0 | $290 | 2.34% |
| JOHN W LOWDERMILK3 Filed as: JOHN C DOWNING | 5460 S QUEBEC STREET, SUITE 350 GREENWOOD VILLAGE, CA 80111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $529 | $0 | $529 | 8.55% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 119 | $969K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 119 | $969K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 119 | $969K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $26K |
| Other(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 119 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.