| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $655 | $655 | 1.83% |
| ASSUREX GLOBAL CORPORATION3 | STE 360 6620 MOONEY ST DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $455 | $455 | 1.83% |
| ASSUREX GLOBAL CORPORATION3 | STE 360 6620 MOONEY ST DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | VISION SERVICE PLAN | $814 | — | $814 | 6.00% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | UNUM INSURANCE COMPANY | $0 | $119 | $119 | 1.81% |
| ASSUREX GLOBAL CORPORATION3 | STE 360 6620 MOONEY ST DUBLIN, OH 43017 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | UNUM INSURANCE COMPANY | $0 | $97 | $97 | 1.83% |
| ASSUREX GLOBAL CORPORATION3 | STE 360 6620 MOONEY ST DUBLIN, OH 43017 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | UNUM INSURANCE COMPANY | $0 | $82 | $82 | 1.83% |
| ASSUREX GLOBAL CORPORATION3 | STE 360 6620 MOONEY ST DUBLIN, OH 43017 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 114 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 27 | $16K |
| Dental | DELTA DENTAL OF COLORADO | 187 | $99K |
| Vision | VISION SERVICE PLAN | 98 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $61K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $36K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.