| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC | 2000 SOUTH COLORADO ROAD, TOWER 2 SUITE 900 DENVER, CO 80222 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $36K | $11K | $47K | 1.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1515 WYNKOOP STREET, SUITE 200 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $7K | — | $7K | 0.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC | FILE 50968 LOS ANGELES, CA 90074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 2.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC | 720 SOUTH COLORADO BOULEVARD SUITE 600 DENVER, CO 80246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.78% |
| BETA HEALTH ASSOCIATION3 | 9725 EAST HAMPDEN AVENUE, SUITE 400 SUITE 900 DENVER, CO 80231 | DELTA DENTAL OF COLORADO | $6K | $6K | $12K | 8.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC | 2000 SOUTH COLORADO ROAD, TOWER 2 SUITE 900 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $9K | — | $9K | 6.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 1.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC | FILE 50968 LOS ANGELES, CA 90074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 44.20% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $896 | $9K | 18.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | BETA HEALTH ASSOCIATION, INC. | $817 | — | $817 | 2.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC | 2000 SOUTH COLORADO ROAD, TOWER 2 SUITE 900 DENVER, CO 80222 | BETA HEALTH ASSOCIATION, INC. | $558 | — | $558 | 1.84% |
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 | 444 | 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) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 717 | $3.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 355 | $167K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 499 | $217K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 499 | $217K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 499 | $217K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 717 | $3.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 499 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.