| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 555 17TH ST STE 2050 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 5.50% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | STANDARD INSURANCE COMPANY | — | $19K | $19K | 4.59% |
| ADVANCED ENERGY INDUSTRIES INC3 | 1625 SHARP POINT DRIVE FORT COLLINS, CO 80525 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 1.31% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 2000 S COLORADO BLVD SUITE 900 TOWER II DENVER, CO 80222 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 3.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 555 17TH ST STE 2050 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 5.49% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 4.58% |
| ADVANCED ENERGY INDUSTRIES INC3 | 1625 SHARP POINT DRIVE FT. COLLINS, CO 80525 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC | 2000 S COLORADO BLVD STE 900 TOWER DENVER, CO 80222 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $2K | $29K | 17.93% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 4.21% |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 545 | $324K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 545 | $324K |
| Life insurance | STANDARD INSURANCE COMPANY | 672 | $410K |
| Long-term disability | STANDARD INSURANCE COMPANY | 668 | $179K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 672 | $570K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.