| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | $0 | $58K | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | DELTA DENTAL OF COLORADO | $10K | $0 | $10K | 8.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.14% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.95% |
| KRISTA K PRICE3 Filed as: KRISTA KAYLENE PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $846 | $0 | $846 | 12.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS MEMORIAL BOULEVARD SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $432 | $0 | $432 | 6.38% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 100 SUN AVENUE NE, SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | $0 | $149 | 2.20% |
| STEVEN W COOPER3 Filed as: STEVEN W. COOPER | 2400 DAVIS ROAD HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | MUTUAL OF OMAHA INSURANCE COMPANY | $157 | $0 | $157 | 14.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $67 | $67 | 6.39% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.6M |
| Dental | DELTA DENTAL OF COLORADO | 286 | $117K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $94K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $94K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $94K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.6M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.