| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $492 | $492 | 1.55% |
| KRISTA K PRICE3 | 3864 S. QUINCE ST. DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 29.70% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $817 | — | $817 | 5.90% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8220 DELMAR BLVD. ST. LOUIS, MO 63124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $183 | $183 | 1.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $31 | $31 | 0.60% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 407 | $135K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 407 | $135K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 703 | $32K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32 | $5K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 530 | $12K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 703 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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."
No prospect flags tripped on this filing.