| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVANTAGE INS LLC3 Filed as: EMPLOYER ADVANTAGE INSURANCE | 4505 S WASATCH BLVD SUITE 330F SALT LAKE CITY, UT 84124 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $24K | — | $24K | 6.28% |
| BENEFITS BROKER INC3 | UNIT A 20 CLUB MANOR DRIVE PUEBLO, CO 81008 | UNUM LIFE INSURANCE CO OF AMERICA | $27K | — | $27K | 15.11% |
| EMPLOYER ADVANTAGE INS LLC3 Filed as: EMPLOYER ADVANTAGE INSURANCE | 4505 S WASATCH BLVD SUITE 330F SALT LAKE CITY, UT 84124 | LIBERTY MUTUAL ASSURANCE CO OF BOSTON | $10K | — | $10K | 6.30% |
| EMERSON REID LLC3 | 261 MADISON AVE SUITE 602 NEW YORK, NY 10016 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $6K | $12K | 8.29% |
| ROBERT H REDWINE3 Filed as: ROBERT REDWING | 503 N MAIN ST SUITE 314 PUEBLO, CO 81003 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 8.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGIONAL CARE INC EIN 47-0760050 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 905 WEST 27TH STREET SCOTTSBLUFF, NE 69361 | $358K |
| DELTA DENTAL OF COLORADO EIN 84-0568337 DENTAL CLAIMS ADMINISTRAT | Contract Administrator Service code 13 | PO BOX 173803 DENVER, CO 802173803 | $99K |
| PUEBLO HEALTH CARE EIN 84-1508650 NETWORK | Insurance services Service code 23 | 400 WEST 16TH STREET PUEBLO, CO 81003 | $84K |
| MEDICAL COST MANAGEMENT CORP EIN 36-3445315 UR VENDOR | Insurance services Service code 23 | 200 WEST MONROE STREET SUITE 1850 CHICAGO, IL 60606 | $38K |
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 | 1,818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 2,429 | $483K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 488 | $146K |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 1,688 | $383K |
| Stop-loss / reinsurancereinsurance | WESTPORT | 1,646 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,429 | — |
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.
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.