| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CA 80226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 21.12% |
| MIA CORP3 | 742 S MOORE COURT LAKEWOOD, CO 80226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 9.84% |
| MIA CORP3 | 742 S MOORE CT LAKEWOOD, CO 80226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $594 | — | $594 | 2.63% |
| KATIE J FLETCHER3 | 9247 N MERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $535 | — | $535 | 2.36% |
| JAMIE L. KETCHUM3 Filed as: JAMIE L KETCHUM | 2801 VINE STREET DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $258 | — | $258 | 1.14% |
| DENNIS S SMYTHE3 | 233 N MELDRUM STREET #C4 FORT COLLINS, CO 80521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | — | $241 | 1.07% |
| JEFFREY P PRICE3 | 3864 S QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $228 | — | $228 | 1.01% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204 | — | $204 | 0.90% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 0.89% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC | 8055 RETUFTS AVE SUITE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | — | $188 | 0.83% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 S QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.55% |
| MISTY M KRUG3 | 2774 DEPEW STREET WHEAT RIDGE, CO 80214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.51% |
| KRISTA K PRICE3 | 3864 QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.43% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.40% |
| STACEY THOMAS CAMPBELL3 Filed as: STACEY T CAMPBELL | 3219 BARCLAY COURT EVANS, CO 80620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.34% |
| LAURA M MARCOTTE3 | 4312 BROOKSTONE CT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.21% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.20% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.16% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOS SANTOS IIII | 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| J MERRITT MCDOLE3 | 6059 S QUEBEC SUITE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| MIA CORP3 | 742 S MOORE COURT LAKEWOOD, CO 80226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.60% |
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CO 80226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC. | 742 S MOORE COURT LAKEWOOD, CO 80226 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.11% |
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CO 80226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CO 80226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $814 | — | $814 | 14.99% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 124 | $64K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $5K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27 | $11K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $155K |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 124 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.