| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1515 WYNKOOP STREET, SUITE 200 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $45K | $0 | $45K | 1.01% |
| BETA HEALTH ASSOCIATION3 | 9725 EAST HAMPDEN AVENUE SUITE 400 DENVER, CO 80231 | DELTA DENTAL OF COLORADO | $7K | $7K | $14K | 7.17% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $12K | $0 | $12K | 6.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA CITY, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 6.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | FILE 50968 LOS ANGELES, CA 90074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $484 | $9 | $493 | 0.32% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $207 | $4 | $211 | 0.14% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.84% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | BETA HEALTH | $2K | $0 | $2K | 7.60% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | BETA HEALTH | $2K | $0 | $2K | 7.60% |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 780 | $4.4M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 446 | $246K |
| Vision | VISION SERVICE PLAN | 316 | $36K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $283K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $283K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $283K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 780 | $4.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.