| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANNEMARIE KIEFFER3 | 7200 S ALTON WAY SUITE B220 CENTENNIAL, CO 80112 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $7K | $19K | 6.57% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP, LLC. | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 3.57% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS REASEARCH LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 2.36% |
| BRADLEY PARKER ROTHHAMMER3 | 5347 S VALENTIA WAY SUITE 130 GREENWOOD VILLAGE, CO 80111 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PPO PROVIDER EIN 84-0467807 NETWORK PROVIDER | Contract Administrator Service code 13 | — | $23K |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $295K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $295K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $295K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $295K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $295K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.