| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | 4600 S ULSTER ST STE 1200 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 3.44% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN LLC | 5347 S VALENTIA WAY STE 130 GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.71% |
| USI INSURANCE SERVICES LLC | 200 SUMMIT LAKE DRIVE STE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $12K | 5.59% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY STE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.10% |
| ANNEMARIE KIEFFER | 12771 JASMINE CT. BRIGHTON, CO 80602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.10% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $938K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $222K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $222K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $222K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $222K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $222K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
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.