| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CO 80226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | — | $36K | 14.91% |
| MIA CORP3 | 11914 W BELMONT DRIVE LITTLETON, CO 80127 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $112 | $8K | 10.10% |
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CO 80226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.78% |
| MIA CORP3 | 742 SOUTH MOORE COURT LAKEWOOD, CO 80226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.45% |
| GREGORY G WAY3 | 13074 COFFEE TREE STREET PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.38% |
| KATIE J FLETCHER3 | 9247 NORTH MERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $374 | — | $374 | 0.85% |
| LAURA M MARCOTTE3 | 4312 BROOKSTONE COURT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | — | $242 | 0.55% |
| JEFFREY P PRICE3 | 3864 SOUTH QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | — | $203 | 0.46% |
| ERIC GRACE3 Filed as: ERIC L GRACE | 10041 GRANITE HILL DRIVE PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | — | $194 | 0.44% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.39% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | — | $155 | 0.35% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.32% |
| DENNIS S SMYTHE3 | 233 NORTH MELDRUM STRETT #C4 FORT COLLINS, CO 80521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.29% |
| STACY T CAMPBELL3 | 1617 14TH AVENUE GREELEY, CO 80631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.19% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S KIRKLAND | 4245 MILGEN ROAD COLUMBUS, OH 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.16% |
| KEVIN B SORIA3 | 6000 E EVANS AVE BLDG 1 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.13% |
| KRISTA K PRICE3 | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.06% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 SOUTH QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| J MERRITT MCDOLE3 | 6059 SOUTH QUEBEC SUITE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MISTY M KRUG3 | 1686 CHRISTENSEN ROAD MOUNTAIN HOME, AR 72653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JAMIE L. KETCHUM3 Filed as: JAMIE L KETCHUM | 2801 VINE STREET DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $244K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $82K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $82K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $66K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $66K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $66K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $244K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $244K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.