| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 1873 S BELLAIRE ST., STE 600 DENVER, CO 80222 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $14K | $266 | $14K | 5.41% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER ST., STE 600 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $5K | $0 | $5K | 4.99% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 1873 S. BELLAIRE ST., STE 600 DENVER, CO 80222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.80% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO, LLC | 4582 S ULSTER ST., STE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $847 | $0 | $847 | 6.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 7770 JEFFERSON ST. NE, STE 101 ALBUQUERQUE, NM 87109 | METROPOLITAN LIFE INSURANCE CO. | $435 | $0 | $435 | 3.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE CO. | $199 | $0 | $199 | 1.76% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 4582 S ULSTER ST., STE 600 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE CO. | $59 | $0 | $59 | 0.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZANE BENEFITS EIN 26-0761605 TPA | Claims processing; Recordkeeping fees Service code 12 | P O BOX 684392 PARK CITY, UT 84068 | $21K |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 73 | $266K |
| Dental | DELTA DENTAL OF COLORADO | 249 | $95K |
| Vision | VISION SERVICE PLAN | 89 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $90K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $90K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $90K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 73 | $266K |
| Other | METROPOLITAN LIFE INSURANCE CO. | 19 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.