| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIA CORP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 16.60% |
| MIA CORP3 | 11914 W BELMONT DRIVE LITTLETON, CO 80127 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $56 | $7K | 9.22% |
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CO 80226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.82% |
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CO 80226 | CONTIENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.59% |
| GREGORY G WAY3 | 13074 COFFEE TREE STREET PARKER, CO 80134 | CONTIENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.12% |
| DENNIS S SMYTHE3 | 233 NORTH MELDRUM STRETT #C4 FORT COLLINS, CO 80521 | CONTIENTAL AMERICAN INSURANCE COMPANY | $422 | — | $422 | 1.26% |
| KATIE J FLETCHER3 | 9247 NORTH MERIDIAN INDIANAPOLIS, IN 46260 | CONTIENTAL AMERICAN INSURANCE COMPANY | $372 | — | $372 | 1.12% |
| LAURA M MARCOTTE3 | 4312 BROOKSTONE COURT LOVELAND, CO 80538 | CONTIENTAL AMERICAN INSURANCE COMPANY | $246 | — | $246 | 0.74% |
| ERIC GRACE3 Filed as: ERIC L GRACE | 10041 GRANITE HILL DRIVE PARKER, CO 80134 | CONTIENTAL AMERICAN INSURANCE COMPANY | $195 | — | $195 | 0.58% |
| JEFFREY P PRICE3 | 3864 SOUTH QUINCES STREET DENVER, CO 80237 | CONTIENTAL AMERICAN INSURANCE COMPANY | $192 | — | $192 | 0.58% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTIENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 0.50% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTIENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 0.46% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTIENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 0.41% |
| STACY T CAMPBELL3 | 1617 14TH AVENUE GREELEY, CO 80631 | CONTIENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.34% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S KIRKLAND | 4245 MILGEN ROAD COLUMBUS, OH 31907 | CONTIENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.20% |
| KRISTA K PRICE3 | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTIENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.11% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTIENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.07% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTIENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTIENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| MISTY M KRUG3 | 1686 CHRISTENSEN ROAD MOUNTAIN HOME, AR 72653 | CONTIENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTIENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| J MERRITT MCDOLE3 | 6059 SOUTH QUEBEC SUITE 100 CENTENNIAL, CO 80111 | CONTIENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JAMIE L. KETCHUM3 Filed as: JAMIE L KETCHUM | 2801 VINE STREET DENVER, CO 80205 | CONTIENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $136K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $136K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $57K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $57K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $57K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $209K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.