| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOUNTAIN WEST INS & FIN SVCS, LLC3 Filed as: MOUNTAIN WEST INS & FIN. SVCS., LLC | 480 WEST PARK DRIVE SUITE 100 GRAND JUNCTION, CO 81505 | ROCKY MOUNTAIN HEALTH MAINTENANCE ORGANIZATION INC. | $13K | $0 | $13K | 1.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | ROCKY MOUNTAIN HEALTH MAINTENANCE ORGANIZATION INC. | $7K | $0 | $7K | 0.94% |
| MOUNTAIN WEST INS & FIN SVCS, LLC3 Filed as: MOUNTAIN WEST INS & FIN. SVCS., LLC | 100 EAST VICTORY WAY CRAIG, CO 81625 | DELTA DENTAL OF COLORADO | $4K | $0 | $4K | 5.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $3K | $0 | $3K | 4.06% |
| MOUNTAIN WEST INS & FIN SVCS, LLC3 Filed as: MOUNTAIN WEST INS & FIN. SVCS., LLC | 100 EAST VICTORY WAY CRAIG, CO 81625 | VISION SERVICE PLAN | $570 | $0 | $570 | 5.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $208 | $0 | $208 | 1.93% |
| MOUNTAIN WEST INS & FIN SVCS, LLC3 Filed as: MOUNTAIN WEST INS & FIN. SVCS., LLC | 100 EAST VICTORY WAY CRAIG, CO 81625 | METROPOLITAN LIFE INSURANCE COMPANY | $567 | $0 | $567 | 8.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6565 AMERICAS PARKWAY NE, SUITE 720 ALBUQUERQUE, NM 87110 | METROPOLITAN LIFE INSURANCE COMPANY | $201 | $45 | $246 | 3.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $227 | $8 | $235 | 3.61% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HEALTH MAINTENANCE ORGANIZATION INC. | 92 | $759K |
| Dental | DELTA DENTAL OF COLORADO | 265 | $63K |
| Vision | VISION SERVICE PLAN | 67 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 57 | $7K |
| Prescription drug | ROCKY MOUNTAIN HEALTH MAINTENANCE ORGANIZATION INC. | 92 | $759K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 57 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.