| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | — | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $5K | — | $5K | 5.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | — | DELTA DENTAL OF COLORADO | $202 | — | $202 | 6.52% |
| BETA HEALTH ASSOCIATION5 | — | DELTA DENTAL OF COLORADO | $115 | — | $115 | 3.71% |
| BETA HEALTH ASSOCIATION5 | — | DELTA DENTAL OF COLORADO | — | $115 | $115 | 3.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | — | UNION SECURITY INSURANCE COMPANY | $365 | — | $365 | 13.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN NORTHWEST | — | BETA HEALTH ASSOCIATION, INC. | $104 | — | $104 | 9.52% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 191 | $92K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 117 | $4K |
| Vision | EYEMED | 121 | $0 |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 150 | $3K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 150 | $3K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 150 | $3K |
| Other | UNION SECURITY INSURANCE COMPANY | 150 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.