| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 1200 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $44K | $23K | $68K | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $38K | $0 | $38K | 0.55% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 6143 SOUTH WILLOW DRIVE, SUITE 200 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $22K | $0 | $22K | 6.74% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $10K | $0 | $10K | 3.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $9K | $0 | $9K | 2.87% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALLHALLA, NY 10595 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $875 | $20K | 6.42% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1060 BRIADWAY, SUITE 400 ALBANY, NY 12204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 6.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 6.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2375 EAST CAMELBACK ROAD SUITE 250 PHOENIX, AZ 85016 | BETA HEALTH | $1K | $0 | $1K | 4.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | BETA HEALTH | $1K | $0 | $1K | 3.59% |
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 | 733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 900 | $6.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 624 | $358K |
| Vision | VISION SERVICE PLAN | 448 | $52K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 733 | $305K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 733 | $305K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 900 | $6.8M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 733 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.