| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN LLC | 5347 S VALENTIA WAY STE 130 GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 4.17% |
| ANNEMARIE KIEFFER3 | 5347 S VALENTIA WAY STE 130 GREENWOOD VILLAGE, CO 80111 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 8.79% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN LLC | 5347 S VALENTIA WAY STE 130 GREENWOOD VILLAGE, CO 80111 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.97% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $883K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $253K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $253K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $253K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $253K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $253K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.