| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 9605 SOUTH KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $220K | — | $220K | 3.89% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | DELTA DENTAL OF COLORADO | $22K | — | $22K | 5.00% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT #150 ENGLEWOOD, CO 80016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | — | $45K | 20.00% |
| ACRISURE LLC3 | DBA BENEFIT HEALTH ADVISOR ENGLEWOOD, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $846 | $3K | 4.15% |
| DEAN SAILER3 | 3409 CONEFLOWER FT COLLINS, CO 80521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.89% |
| KRSTEN ELISE RANDALL3 | 22 S GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.65% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $242 | $1K | 1.90% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $874 | $129 | $1K | 1.27% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $628 | — | $628 | 0.80% |
| ROBERT N STRINGER3 | 109 EASTSIDE DR BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 0.13% |
| EDWARD JOSEPH CORBETT3 | 6185 S PARIS STREET GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.12% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR VALHALLA, NY 10595 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| JRKG INC3 | 6262 HOLY CROSS WAY CASTLE ROCK, CO 80108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT #150 ENGLEWOOD, CO 80016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT #150 ENGLEWOOD, CO 80016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | 898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 900 | 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 | 569 | $5.7M |
| Dental | DELTA DENTAL OF COLORADO | 1,157 | $439K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,067 | $59K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 898 | $226K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 76 | $79K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 76 | $79K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 898 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,157 | — |
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."
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.