| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 1873 SOUTH BELLAIRE ST STE 600 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $4K | $0 | $4K | 4.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 1125 17TH ST SUITE 900 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $63 | $0 | $63 | 0.08% |
| GROUP BENEFITS SERVICES LLC3 | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | UNITED OF OMAHA LIFE INS CO. | $9K | $0 | $9K | 12.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 7770 JEFFERSON ST NE STE 101 ALBUQUERQUE, NM 87109 | METROPOLITAN LIFE INSURANCE CO | $964 | $0 | $964 | 7.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 HILLCREST DR E CHARLESTON, WV 25311 | METROPOLITAN LIFE INSURANCE CO | $446 | $0 | $446 | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | 1100 E 6600 S STE 280 SALT LAKE CITY, UT 84121 | METROPOLITAN LIFE INSURANCE CO | $100 | $0 | $100 | 0.81% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES LLC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | VISION SERVICE PLAN | $665 | $0 | $665 | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZANE BENEFITS EIN 26-0761605 TPA | Recordkeeping fees; Claims processing Service code 12 | P O BOX 684392 PARK CITY, UT 84068 | $19K |
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 | 123 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 217 | $79K |
| Vision | VISION SERVICE PLAN | 61 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INS CO. | 178 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INS CO. | 178 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INS CO. | 178 | $74K |
| Other | METROPOLITAN LIFE INSURANCE CO | 19 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.