| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOUNTAIN WEST INSURANCE3 | 1521 OXBOW DR STE 145 MONTROSE, CO 81401 | TOKIO MARINE | $15K | — | $15K | — |
| CNIC HEALTH SOLUTIONS INC5 Filed as: CNIC HEALTH SOLUTIONS | 6251 GREENWOOD PLAZA BLVD #300 GREENWOOD VILLAGE, CO 80111 | TOKIO MARINE | $13K | — | $13K | — |
| NEIL-GARING AGENCY INC.3 Filed as: NEIL GARING INC | 201 CENTENNIAL STE 120 GLENWOOD SPRINGS, CO 81602 | TOKIO MARINE | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $25K |
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 | 69 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 69 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE | 69 | $0 |
| Prescription drug | TOKIO MARINE | 69 | $0 |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 69 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69 | — |
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.