| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIA CORP3 | 18433 W 94TH LANE ARVADA, CO 80007 | ANTHEM LIFE INSURANCE COMPANY | $17K | $17K | $34K | 9.84% |
| GREGORY G WAY3 | GE304 1828 SHADOWCREEK DR CASTLE ROCK, CO 80104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $728 | — | $728 | 8.84% |
| MIA CORP3 | AAUT8 742 SMOORE CT LAKEWOOD, CO 80226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 4.82% |
| DAYTON LLC3 | AAYQ0 5445 DTCPARKWAY STE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 1.03% |
| KATIE J FLETCHER3 Filed as: KATIE JFLETCHER | CU987 9247 NMERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.61% |
| JEFFREY P PRICE3 | CG479 3864 S.QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.34% |
| TIMOTHY B ASBY3 | V9961 9247 NMERIDIANST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.28% |
| TINA WAY3 Filed as: TINA R WAY | HC142 155 INVERNESS DRIVE WEST ST 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.26% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY,INC | FW061 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.23% |
| LAURA M MARCOTTE3 Filed as: LAURA MMARCOTTE | AN620 4312 BROOKSTONE CT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| ERIC GRACE3 Filed as: ERIC L GRACE | AY832 10041GRANITE HILL DRIVE PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.15% |
| DENNIS S SMYTHE3 | HP233 233 N MELDRUM ST #C4 FORT COLLINS, CO 80521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.13% |
| STACEY THOMAS CAMPBELL3 Filed as: STACEY T CAMPBELL | WA995 1617 14TH AVE GREELEY, CO 80631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | WB060 4245MILGENRD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| KIEFER GROUP INSURANCE AGCY LLC3 | MZ060 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| KRISTA K PRICE3 | BR159 3864 S.QUINCE ST DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| KEVIN B SORIA3 | FN598 6000 E EVANS AVE BLDG 1 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOSSANTOS III | GE319 155INVERENSS DRIVE WEST STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| TINA WAY3 Filed as: TINA R WAY | BE074 155 INVERNESS DR WEST STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| NANCY HARMON3 Filed as: NANCY LHARMON | SM625 3925 S QUATAR ST AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| J MERRITT MCDOLE3 | YA835 12120 SW FOOTHILL DR PORTLAND, OR 97225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSPITAL AND MEDICAL EIN 84-0747736 UNKNOWN | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $177K |
| MIA CORP EIN 47-2482907 UNKNOWN | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $0 |
| NGENIORX, INC. EIN 82-3062245 UNKNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue Service code 12 | — | $0 |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM LIFE INSURANCE COMPANY | 148 | $347K |
| Vision | ANTHEM LIFE INSURANCE COMPANY | 148 | $347K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 148 | $347K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 148 | $347K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 148 | $347K |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE COMPANY | 148 | $347K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 210 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.