No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCIPLINED BENEFIT SERVICES, INC. EIN 84-1215883 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $189K |
| CDS ADMINISTRATORS EIN 25-1352803 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $123K |
| SILVERSCRIPT EIN 20-2833904 NONE | Soft dollars commissions; Claims processing; Direct payment from the plan Service code 12 | — | $107K |
| INNOVEST PORTFOLIO SOLUTIONS EIN 84-1612955 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $39K |
| RICHMOND CAPITAL MANAGEMENT EIN 54-1288566 NONE | Direct payment from the plan; Investment management Service code 28 | — | $26K |
| FEDERAL INSURANCE COMPANY EIN 13-1963496 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $24K |
| SALTER & COMPANY, LLC EIN 20-8078757 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
| CONDUENT NONE | Direct payment from the plan; Actuarial Service code 11 | 100 CAMPUS DRIVE, SUITE 200 FLORHAM PARK, NJ 07932 | $15K |
| VECTRA BANK EIN 91-1943623 NONE | Custodial (other than securities) Service code 18 | — | $6K |
| SPENCER FANE LLP NONE | Legal; Direct payment from the plan Service code 29 | 1700 LINCOLN STREET, SUITE 2000 DENVER, CO 80203 | $5K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,500 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 513 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,013 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO, INC. | 651 | $3.0M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO, INC. | 651 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.