| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIA CORP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 18.19% |
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CO 80226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $435 | $13K | 9.92% |
| DENNIS S SMYTHE3 | 233 NORTH MELDRUM STRETT #C4 FORT COLLINS, CO 80521 | CONTIENTAL AMERICAN INSURANCE COMPANY | $911 | — | $911 | 3.63% |
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CO 80226 | CONTIENTAL AMERICAN INSURANCE COMPANY | $756 | — | $756 | 3.01% |
| KATIE J FLETCHER3 | 9247 NORTH MERIDIAN INDIANAPOLIS, IN 46260 | CONTIENTAL AMERICAN INSURANCE COMPANY | $464 | — | $464 | 1.85% |
| STACY T CAMPBELL3 | — | CONTIENTAL AMERICAN INSURANCE COMPANY | $267 | — | $267 | 1.06% |
| JEFFREY P PRICE3 | 3864 SOUTH QUINCES STREET DENVER, CO 80237 | CONTIENTAL AMERICAN INSURANCE COMPANY | $215 | — | $215 | 0.86% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTIENTAL AMERICAN INSURANCE COMPANY | $195 | — | $195 | 0.78% |
| LAURA M MARCOTTE3 | 4312 BROOKSTONE COURT LOVELAND, CO 80538 | CONTIENTAL AMERICAN INSURANCE COMPANY | $194 | — | $194 | 0.77% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTIENTAL AMERICAN INSURANCE COMPANY | $186 | — | $186 | 0.74% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTIENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.66% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN ROAD COLUMBUS, OH 31907 | CONTIENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.33% |
| KRISTA K PRICE3 | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTIENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.27% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTIENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.14% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTIENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.14% |
| MISTY M KRUG3 | 1686 CHRISTENSEN ROAD MOUNTAIN HOME, AR 72653 | CONTIENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.08% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTIENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.08% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTIENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| JAMIE L. KETCHUM3 Filed as: JAMIE L KETCHUM | 2801 VINE STREET DENVER, CO 80205 | CONTIENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| J MERRITT MCDOLE3 | 6059 SOUTH QUEBEC SUITE 100 CENTENNIAL, CO 80111 | CONTIENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $126K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $126K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $126K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $126K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $126K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $180K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.