| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD SUITE 110 ENGLEWOOD, CO 80112 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $265K | $10K | $275K | 4.49% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD STE 110 ENGLEWOOD, CO 80112 | DELTA DENTAL OF COLORADO | $23K | — | $23K | 5.02% |
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD SUITE 400 GREENWOOD, CO 80111 | RELIASTAR LIFE INSURANCE COMPANY | $41K | — | $41K | 21.26% |
| VARIOUS - SEE ATTACHED3 | POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $240 | $9K | 9.51% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD SUITE 110 ENGLEWOOD, CO 80112 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 9.97% |
| MATTESON, MARY E3 | 12832 MAYFAIR WAY UNIT D ENGLEWOOD, CA 80112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 6001 S FIDDLERS GREEN CIRCLE STE 100 DENVER, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $58 | $1K | 4.16% |
| MILLS, H A3 | 5325 S 79TH ST LINCOLN, NE 68516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $673 | — | $673 | 2.62% |
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 | 925 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 905 | $6.2M |
| Dental | DELTA DENTAL OF COLORADO | 1,271 | $455K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,111 | $62K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,263 | $283K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 85 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $26K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 85 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.