| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES, INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91631 | CIGNA | $5K | $25K | $30K | 7.18% |
| GBS BENEFITS INC3 | 2040 TERRY ST LONGMONT, CO 80501 | CIGNA | $16K | — | $16K | 3.90% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY ST LONGMONT, CO 80501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 4.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP INSUR ADVISORS, INC. | 560 S 300 E STE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $142 | — | $142 | 0.08% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY STREET #101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 4.17% |
| KATIE J FLETCHER3 | 9247 N MERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 2.56% |
| JEFFREY P PRICE3 | 3864 S. QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 1.61% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 1.14% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 1.04% |
| GREGORY G WAY3 | 13074 COFFEE TREE ST PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.66% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.57% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOSE SANTOS III | 155 INVERNESS DRIVE WEST STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.19% |
| ERIC GRACE3 Filed as: ERIC L GRACE | 10041 GRANITE HILL DRIVE PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CLAIMS PROCESSOR | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation Service code 12 | — | $41K |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 197 | $411K |
| Dental | CIGNA | 197 | $411K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $178K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $178K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $178K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $178K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.