| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENOCHS, KATHY SUE3 | 12770 MERIT DRIVE SUITE 200 DALLAS, TX 75251 | TOKIO MARINE HCC | $3K | $0 | $3K | 10.00% |
| IMAGINE 360 ADMINISTRATORS, LLC3 Filed as: IMAGINE 360 ADMINISTRATORS | PO BOX 749075 DALLAS, TX 75374 | TOKIO MARINE HCC | $0 | $930 | $930 | 3.60% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD PETERSON INS INC | PO BOX 578 GREELEY, CO 80632 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 9.40% |
| STRATEGIC HEALTHPLAN CONSULTING LLC3 | PO BOX 164 CRESTED BUTTE, CO 81224 | STANDARD INSURANCE COMPANY | $828 | $0 | $828 | 5.59% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | STANDARD INSURANCE COMPANY | $592 | $0 | $592 | 4.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD PETERSON INS INC | PO BOX 578 GREELEY, CO 80632 | STANDARD INSURANCE COMPANY | $704 | $0 | $704 | 6.41% |
| STRATEGIC HEALTHPLAN CONSULTING LLC3 | PO BOX 164 CRESTED BUTTE, CA 81224 | STANDARD INSURANCE COMPANY | $485 | $0 | $485 | 4.42% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | STANDARD INSURANCE COMPANY | $439 | $0 | $439 | 4.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE INC. | PO BOX 578 GREELEY, CO 80632 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $409 | $0 | $409 | 9.54% |
| STRATEGIC HEALTHPLAN CONSULTING LLC3 Filed as: STRATEGIC HEALTHPLAN CONSULTING | PO BOX 164 CRESTED BUTTE, CO 81224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $292 | $0 | $292 | 6.81% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 203 | $11K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8 | $4K |
| Long-term disability | STANDARD INSURANCE COMPANY | 203 | $15K |
| Other(2 contracts, 2 carriers) | TOKIO MARINE HCC | 203 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.