| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED ADMINISTRATORS INC3 Filed as: CONSOLIDATED ADMINISTRATORS | 9781 S MERIDIAN BLVD SUITE 110 ENGLEWOOD, CO 80112 | OPTUMHEALTH | $14K | — | $14K | 3.12% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD SUITE 110 ENGLEWOOD, CO 80112 | OPTUMHEALTH | $13K | — | $13K | 2.88% |
| EMPLOYEE BENEFIT MGMT SERVICES LLC5 Filed as: EMPLOYEE BENEFIT MGMT SERVICES | 2075 OVERLAND AVE BILLINGS, MT 59102 | OPTUMHEALTH | $9K | — | $9K | 2.00% |
| CONSOLIDATED ADMINISTRATORS INC3 | 9781 S MERIDIAN BLVD SUITE 110 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.73% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD SUITE 110 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.70% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD STE 110 ENGLEWOOD, CO 80112 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 12.24% |
| CONSOLIDATED ADMINISTRATORS INC3 | 9781 S MERIDIAN BLVD STE 110 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $140 | — | $140 | 2.94% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD SUITE 110 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $118 | — | $118 | 2.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES EIN 81-0391256 UTILIZATION REVIEW | Other fees; Contract Administrator Service code 13 | — | $71K |
| COFINITY PPO EIN 20-1274723 PPO | Other services Service code 49 | — | $21K |
| EMPLOYEE BENEFIT MGMT SERVICES INC EIN 81-0391256 POST-SVC NEGOTIATION | Other fees Service code 99 | — | $6K |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $41K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 20 | $23K |
| Prescription drug | OPTUMHEALTH | 235 | $441K |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH | 235 | $441K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.