| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIA CORP3 | 11914 W BELMONT DR LITTLETON, CO 80127 | METLIFE | $9K | $1 | $9K | 9.89% |
| MIA CORP3 | 11914 W BELMONT DR LITTLETON, CO 80127 | THE GUARDIAN | $8K | — | $8K | 11.29% |
| MIA CORP3 | 11914 W BELMONT DR LITTLETON, CO 80127 | CIGNA | $38K | — | $38K | 73.24% |
| MIA CORP3 | 11914 W BELMONT DR LITTLETON, CO 80127 | CONTINENTIAL AMERICAN | $1K | — | $1K | 2.74% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 147 | $52K |
| Dental | METLIFE | 36 | $86K |
| Vision | METLIFE | 36 | $86K |
| Life insurance | THE GUARDIAN | 147 | $69K |
| Long-term disability | THE GUARDIAN | 147 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.