| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, LLC | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $2K | $42K | 7.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FREEWAY DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 1.47% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, LLC | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $5K | — | $5K | 4.86% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S. ULSTER STREET DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $21 | — | $21 | 0.02% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, LLC | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 12.43% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, LLC | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | VISION SERVICE PLAN | $2K | — | $2K | 4.42% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $406 | $4K | 14.04% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $552K |
| Dental | DELTA DENTAL OF COLORADO | 183 | $105K |
| Vision | VISION SERVICE PLAN | 187 | $34K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 175 | $80K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 175 | $80K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 175 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.