| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT STREET DENVER, CO 80211 | UNITED HEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.77% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 1.40% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 3.01% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT STREET DENVER, CO 80211 | HUMANA INSURANCE COMPANY | $667 | — | $667 | 0.75% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT STREET DENVER, CO 80211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.62% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.38% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 27.80% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $604 | — | $604 | 3.66% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT STREET DENVER, CO 80211 | VISION SERVICE PLAN | $378 | — | $378 | 2.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 55.01% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT STREET DENVER, CO 80211 | ANTHEM LIFE INSURANCE COMPANY | $327 | — | $327 | 3.53% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 261 | $1.2M |
| Dental | HUMANA INSURANCE COMPANY | 119 | $88K |
| Vision | VISION SERVICE PLAN | 96 | $17K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $108K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $69K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $69K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.