| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER STREET SUITE 600 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 2.92% |
| ASPEN GROUP BENEFIT ADVISORS LLC3 | 44 UNION BOULEVARD SUITE 265 LAKEWOOD, CO 80228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER STREET SUITE 600 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $915 | $3K | 9.58% |
| ASPEN GROUP BENEFIT ADVISORS LLC3 | 44 UNION BOULEVARD SUITE 265 LAKEWOOD, CO 80228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $991 | — | $991 | 3.18% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER STREET SUITE 600 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $614 | $2K | 11.75% |
| ASPEN GROUP BENEFIT ADVISORS LLC3 | 44 UNION BOULEVARD SUITE 265 LAKEWOOD, CO 80228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $998 | — | $998 | 4.78% |
| ASPEN GROUP BENEFIT ADVISORS LLC3 Filed as: ASPEN GROUP BENEFIT ADVISORS, LLC | 12136 W BAYAUD AVENUE SUITE 104 LAKEWOOD, CO 80228 | VISION SERVICE PLAN | $545 | — | $545 | 3.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 4582 S ULSTER STREET SUITE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $483 | — | $483 | 2.72% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $108 | — | $108 | 0.61% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $99K |
| Vision | VISION SERVICE PLAN | 118 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
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.