| 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 | $4K | — | $4K | 16.38% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE INC | 4687 18TH ST STE 600 GREELEY, CO 80634 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.86% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 16.11% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $19 | $2K | 12.06% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVCIES LLC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 0.86% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $19 | $4K | 37.03% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE INC | 4687 18TH ST STE 600 GREELEY, CO 80634 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 24.63% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | — | $87 | $87 | 0.80% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $19 | $3K | 27.83% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE INC | 4687 18TH ST STE 600 GREELEY, CO 80634 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.53% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | — | $82 | $82 | 0.87% |
| 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 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 CONTRACT ADMIN | Claims processing Service code 12 | — | $39K |
| FLOOD & PETERSON EIN 84-0475762 INSURANCE AGENT | Custodial (securities) Service code 19 | — | $31K |
| CONNECTICUT GENERAL LIFE INSURANCE EIN 60-0303370 PPO CHARGE | Other fees Service code 99 | — | $20K |
| 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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 129 | $538K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $26K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 89 | $504K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
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.