| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 3.80% |
| GROUP BENEFITS SERVICES LLC3 | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.36% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $552 | $7K | 7.01% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $1K | $5K | 5.34% |
| GROUP BENEFITS SERVICES LLC3 | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $74 | — | $74 | 0.08% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $95K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $95K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $95K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.