| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 2002 CARIBOU DRIVE, SUITE 101 FORT COLLINS, CO 80525 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 0.13% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CO LLC | 4502 S. ULSTER ST., SUITE 600 DENVER, CO 80237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $909 | — | $909 | 2.54% |
| CATHERINE DOBRATZ3 | 509 S. 4TH AVE. BRIGHTON, CO 80601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $812 | — | $812 | 2.27% |
| VOLUNTARY SOLUTIONS INC3 | 509 S. 4TH AVE. BRIGHTON, CO 80601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $441 | — | $441 | 1.23% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 4582 S. ULSTER STREET, SUITE 600 DENVER, CO 80237 | BETA HEALTH | $603 | — | $603 | 9.49% |
| ROCKY MOUNTAIN RESERVE5 | 1221 W. MINERAL AVE., SUITE 202 LITTLETON, CO 80120 | ROCKY MOUNTAIN RESERVE | — | — | $0 | 0.00% |
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 | 535 | 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) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $2.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 338 | $135K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $2.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 341 | $68K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 66 | $156K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 341 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.