| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OR OREGON LLC | — | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $68K | $2K | $70K | 5.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | — | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 11.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | — | DELTA DENTAL OF COLORADO | $2K | — | $2K | 6.42% |
| BETA HEALTH ASSOCIATION5 | — | DELTA DENTAL OF COLORADO | $1K | — | $1K | 3.67% |
| BETA HEALTH ASSOCIATION5 | — | DELTA DENTAL OF COLORADO | $1K | — | $1K | 3.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN NORTHWEST | — | BETA HEALTH ASSOCIATION, INC. | $2K | — | $2K | 9.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST | PO BOX 290188 PORTLAND, OR 972969018 | EYEMED | $832 | — | $832 | 9.27% |
| IMA, INC.3 Filed as: IMA, INC - DENVER CO | 1705 17TH ST., STE 100 DENVER, CO 802021657 | EYEMED | $111 | — | $111 | 1.24% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 240 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 112 | $58K |
| Vision | EYEMED | 148 | $9K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 373 | $50K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 373 | $50K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 373 | $50K |
| Other | UNION SECURITY INSURANCE COMPANY | 373 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.