| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | $2K | $49K | 7.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FREEWAY DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 1.34% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $6K | — | $6K | 5.09% |
| VARIOUS - SEE ATTACHED3 Filed as: CONTINENTAL AMERICAN INSURANCE | P.O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 19.79% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 12.34% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | VISION SERVICE PLAN | $2K | — | $2K | 4.20% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 10.50% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $700K |
| Dental | DELTA DENTAL OF COLORADO | 183 | $120K |
| Vision | VISION SERVICE PLAN | 205 | $39K |
| Life insurance(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 211 | $169K |
| Short-term disability(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 211 | $169K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 211 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.