| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE INC | 4687 18TH ST STE 600 GREELEY, CO 80634 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.43% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INS INC | 4687 W. 18TH ST GREENLEY, CO 80634 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.55% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $194 | $5K | 28.67% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE INC | 4687 18TH ST STE 600 GREELEY, CO 80634 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 18.43% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $166 | $5K | 33.29% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE INC | 4687 18TH ST STE 600 GREELEY, CO 80634 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 21.48% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $122 | $4K | 34.24% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE INC | 4687 18TH ST STE 60 GREELEY, CO 80634 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 22.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 CONTRACT ADMIN | Claims processing Service code 12 | — | $46K |
| FLOOD & PETERSON EIN 84-0475762 INSURANCE AGENT | Custodial (securities) Service code 19 | — | $37K |
| CONNECTICUT GENERAL LIFE INSURANCE EIN 60-0303370 OTHER | Other fees Service code 99 | — | $23K |
| TELADOC INC. EIN 04-3705970 OTHER | Other fees Service code 99 | — | $2K |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 185 | $521K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $20K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $30K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 113 | $476K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.