| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNEDY MICHENER BENEFITS, LLC3 | 950 SOUTH CHERRY STREET, SUITE 1222 DENVER, CO 80246 | CIGNA | $211K | $31K | $242K | 5.32% |
| KENNEDY MICHENER BENEFITS, LLC3 | 950 SOUTH CHERRY STREET, SUITE 1222 DENVER, CO 80246 | ROCKY MOUNTAIN HEALTH CARE OPTIONS INC | $94K | — | $94K | 3.11% |
| KENNEDY MICHENER BENEFITS, LLC3 | 950 SOUTH CHERRY STREET, SUITE 1222 DENVER, CO 80246 | DELTA DENTAL PLAN OF COLORADO | $19K | — | $19K | 3.98% |
| KENNEDY MICHENER BENEFITS, LLC3 | 950 SOUTH CHERRY STREET, SUITE 1222 DENVER, CO 80246 | CIGNA | $34K | — | $34K | 20.00% |
| KENNEDY MICHENER BENEFITS, LLC3 | 950 SOUTH CHERRY STREET, SUITE 1222 DENVER, CO 80246 | CIGNA | $29K | — | $29K | 20.00% |
| KENNEDY MICHENER BENEFITS, LLC3 | 950 SOUTH CHERRY STREET, SUITE 1222 DENVER, CO 80246 | VISION SERVICE PLAN | $2K | — | $2K | 3.42% |
| KENNEDY MICHENER BENEFITS, LLC3 | 950 SOUTH CHERRY STREET, SUITE 1222 DENVER, CO 80246 | CIGNA | $5K | — | $5K | 20.00% |
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 | 1,010 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 1,015 | $7.6M |
| Dental | DELTA DENTAL PLAN OF COLORADO | 1,179 | $477K |
| Vision | VISION SERVICE PLAN | 411 | $60K |
| Life insurance | CIGNA | 0 | $168K |
| Long-term disability | CIGNA | 808 | $147K |
| Prescription drug | CIGNA | 1,015 | $4.6M |
| Other | CIGNA | 560 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,179 | — |
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.