| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIDA BUSINESS SOLUTIONS, LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $72K | — | $72K | 12.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 4.88% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS LLC | 1685 WEST UINTAH STREET SUITE #101 COLORADO SPRINGS, CO 80904 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 14.94% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS LLC | 1685 WEST VINTAN STREET # 207 COLORADO SPRINGS, CO 80904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS LLC | 1685 WEST UINTAH STREET SUITE 101 COLORADO SPRINGS, CO 80904 | HEALTHIEST YOU | $2K | — | $2K | 15.00% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS TYLER JOHNS | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $665 | — | $665 | 9.83% |
| MASA AGENTS3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $322 | — | $322 | 4.76% |
| CENTURY INSURANCE GROUP LLC3 Filed as: CENTURY FINANCIAL GROUP | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $7 | — | $7 | 0.10% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $597K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $185K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $185K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $185K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 32 | $16K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.