| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS AGENCY INC | 8055 EAST TRUST AVE STE 1000 DENVER, CO 80237 | THE HARTFORD | — | — | $0 | 0.00% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY ISN AGENCY | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.64% |
| GROUPS BENEFITS SERVICES3 | 8055 E TUFTS AVE STE 1230 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $924 | — | $924 | 2.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 36-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $116K |
| UNITED HEATHCARE SERVICES | Claims processing; Other services Service code 12 | — | $0 |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 387 | $368K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 387 | $368K |
| Life insurance | THE HARTFORD | 175 | $85K |
| Short-term disability | THE HARTFORD | 175 | $85K |
| Long-term disability | THE HARTFORD | 175 | $85K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 387 | $368K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.