| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTURY ADMINISTRATIVE SERVICES INC3 | 1685 W. UINTAH STREET STE 101 COLORADO SPRINGS, CO 80904 | CIGNA | $66K | — | $66K | 10.04% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS | 1685 W VINTAN ST STE 207 COLORADO SPRINGS, CO 80904 | CIGNA | $4K | — | $4K | 0.56% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PKWY STE 200 JOHNSTOWN, CO 80534 | CIGNA | -$42 | — | -$42 | -0.01% |
| CENTURY ADMINISTRATIVE SERVICES INC3 Filed as: CENTURY ADMINISTRATIVE SERVICE | 1685 W. UINTAH STREET SUITE 207 COLORADO SPRINGS, CO 80904 | GUARDIAN | $25K | — | $25K | 13.66% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS LLC | 1685 W. UINTAH STREET STE 101 COLORADO SPRINGS, CO 80904 | GUARDIAN | $2K | — | $2K | 1.18% |
| CENTURY ADMINISTRATIVE SERVICES INC3 | 1685 W. UINTAH STREET STE 207 COLORADO SPRINGS, CO 80904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 18.47% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS LLC | 1685 W VINTAN ST STE 207 COLORADO SPRINGS, CO 80904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $270 | — | $270 | 1.53% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS LLC | 1685 W. UINTAH STREET STE 101 COLORADO SPRINGS, CA 80904 | HEALTHIEST YOU | $2K | — | $2K | 15.00% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 187 | $836K |
| Dental | GUARDIAN | 187 | $182K |
| Vision | GUARDIAN | 187 | $182K |
| Life insurance | GUARDIAN | 187 | $182K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 187 | $201K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $18K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 187 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.