| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD VASQUEZ3 | PO BOX 11506 PUEBLO, CO 81001 | CIGNA HEALTH & LIFE INS COMPANY | $53K | — | $53K | 9.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY | PO BOX 11506 PUEBLO, CO 81001 | CIGNA HEALTH & LIFE INS COMPANY | — | $21K | $21K | 3.88% |
| RONALD VASQUEZ3 | PO BOX 11506 PUEBLO, CO 81001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 6.89% |
| RONALD VASQUEZ3 | PO BOX 11506 PUEBLO, CO 81001 | DELTA DENTAL OF COLORADO | $6K | — | $6K | 6.21% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOC | 9725 E HAMPDEN AVE STE 400 DENVER, CO 80231 | DELTA DENTAL OF COLORADO | $3K | — | $3K | 3.55% |
| TERESA MARY ROBERSON3 | 711 CASTLE RD. COLORADO SPRINGS, CO 80904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $272 | $6K | 7.68% |
| GINA WESOLEK3 | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $227 | $4K | 5.73% |
| RON VASQUEZ3 | PO BOX 11506 PUEBLO, CO 81001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $744 | — | $744 | 0.96% |
| KRISTEN ELISE RANDALL3 | 9538 WEST SAN JUAN CIR LITTLETON, CO 80128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.22% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE ST BRIGHTON, CO 80906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $5 | $69 | 0.09% |
| VICKY LYN SWANSON3 | 755 AMBERGLEN COURT COLORADO SPRINGS, CO 80906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $5 | $67 | 0.09% |
| RONALD SWANSON3 | 755 AMBERGLEN COURT COLORADO SPRINGS, CO 80906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BETA HEALTH ASSOCIATION3 | 9725 EAST HAMPDEN AVE SUITE 400 DENVER, CO 80231 | COMPANION LIFE | $2K | — | $2K | 9.72% |
| RONALD VASQUEZ3 | PO BOX 1156 PUEBLO, CO 81001 | COMPANION LIFE | $1K | — | $1K | 6.83% |
| RONALD VASQUEZ3 Filed as: RONALD VAZQUEZ | PO BOX 11506 PUEBLO, CO 81001 | BETA HEALTH ASSOCIATION, INC. | $902 | — | $902 | 6.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS COMPANY EIN 59-1031071 CARRIER | Contract Administrator; Direct payment from the plan; Named fiduciary; Non-monetary compensation; Claims processing; Float revenue; Participant communication; Other services Service code 12 | — | $5K |
| CIGNA HEALTH & LIFE INS CO | Contract Administrator; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Other services; Direct payment from the plan; Float revenue Service code 12 | — | $0 |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INS COMPANY | 193 | $540K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 235 | $102K |
| Vision | COMPANION LIFE | 138 | $21K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $277K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $200K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $200K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.