| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $4K | $0 | $4K | 5.03% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $6K | $2K | $7K | 13.43% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $993 | $0 | $993 | 5.91% |
| ENROLLLEASE INC3 Filed as: ENROLLLEASE, INC. DBA EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $80 | $0 | $80 | 0.48% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1K | $0 | $1K | 15.01% |
| INSURANCE ACCENTS CORPORATION3 | 18091 EAST KEPNER DRIVE AURORA, CO 80017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $966 | $97 | $1K | 14.54% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $414 | $150 | $564 | 7.71% |
| SVETLANA KAZAKOV3 | 2360 SOUTH FAIRFAX DRIVE DENVER, CO 80222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.05% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 201 | $87K |
| Vision | VISION SERVICE PLAN | 106 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 125 | $55K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 125 | $62K |
| Long-term disability | STANDARD INSURANCE COMPANY | 125 | $55K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 125 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.