| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 WEST UNITAH STREET, SUITE 101 COLORADO SPRINGS, CO 80904 | HUMANA INSURANCE COMPANY | $75K | $0 | $75K | 6.74% |
| BENEFITS BROKER INC3 Filed as: BENEFITS BROKER, INC. | 20 CLUB MANOR DRIVE, UNIT A PUEBLO, CO 81008 | HUMANA INSURANCE COMPANY | $35K | $0 | $35K | 3.18% |
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 WEST UNITAH STREET, SUITE 101 COLORADO SPRINGS, CO 80904 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $135K | $0 | $135K | 14.35% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$18K | $65K | $47K | 5.00% |
| BENEFITS BROKER INC3 Filed as: BENEFITS BROKER, INC. | 20 CLUB MANOR DRIVE, UNIT A PUEBLO, CO 81008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $0 | $32K | 3.35% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $294K | $0 | $294K | 55.53% |
| NATIONAL INS MARKETING BROKERS5 Filed as: NATIONAL INS. MARKETING BROKERS | 4551 WEST 107TH ST., SUITE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21K | $21K | 3.97% |
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 WEST UNITAH STREET, SUITE 101 COLORADO SPRINGS, CO 80904 | VISION SERVICE PLAN | $13K | $0 | $13K | 7.40% |
| BENEFITS BROKER INC3 Filed as: BENEFITS BROKER, INC. | 20 CLUB MANOR DRIVE, UNIT A PUEBLO, CO 81008 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.36% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | TRUSTMARK INSURANCE COMPANY | $155K | $0 | $155K | 92.58% |
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 | 1,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 564 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 1,643 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,495 | $179K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,516 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,516 | $943K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,769 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,769 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.