| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY INC | 5660 GREENWOOD PLAZA BLVD STE 500 GREENWOOD VILLAGE, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | $27K | $65K | 19.18% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 4.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.99% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $4K | $12K | 10.75% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $960 | $4K | 3.49% |
| SELECTIVE OPTIONS INC3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $225 | $1K | 1.20% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION INC. | 6200 SOUTH SYRACUSE WAY GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $674 | $0 | $674 | 0.59% |
| MELISSA A KOLL3 | 216 CLIMAX DR DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $0 | $354 | 0.31% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY INC | 5660 GREENWOOD PLZ BLVD SUITE 500 GREENWOOD VILLAGE, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 6.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $249 | — | $249 | 0.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6501 S FIDDLERS GREEN CIR SUITE 100 GREENWOOD VILLAGE, CO 80111 | VISION SERVICE PLAN | — | $553 | $553 | 5.12% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INS. AGENCY DBA CCIG | 155 INVERNESS DR W STE 200 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | — | $238 | $238 | 2.20% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY INC | 5660 GREENWOOD PLAZA BLVD STE 500 GREENWOOD VILLAGE, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $869 | $0 | $869 | 9.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $83 | — | $83 | 0.94% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 5660 GREENWOOD PLAZA BLVD STE 500 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF COLORADO, INC | $331 | $0 | $331 | 9.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF COLORADO, INC | $0 | $145 | $145 | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF COLORADO, INC | $30 | $0 | $30 | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Insurance agents and brokers; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | — | $17K |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $339K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $44K |
| Vision | VISION SERVICE PLAN | 100 | $11K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 139 | $122K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.