| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD, STE 110 ENGLEWOOD, CO 80112 | UNIMERICA LIFE INSURANCE COMPANY | $40K | $0 | $40K | 6.00% |
| EMPLOYEE BENEFIT MGMT SERVICES LLC5 | 2075 OVERLAND AVE BILLINGS, MT 59102 | UNIMERICA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.00% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD, STE 110 ENGLEWOOD, CO 80112 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.95% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD, STE 110 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 10.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $220 | $0 | $220 | 0.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES LLC EIN 81-0391256 TPA | Contract Administrator; Other fees Service code 13 | — | $110K |
| COFINITY EIN 20-1274723 PPO | Other services Service code 49 | — | $33K |
| SUN LIFE ASSURANCE CO. OF CANADA EIN 38-1082080 SUN ADVISOR ADVICE PLUS | Insurance services Service code 23 | — | $7K |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 752 | $132K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 20 | $23K |
| Prescription drug | UNIMERICA LIFE INSURANCE COMPANY | 368 | $672K |
| Stop-loss / reinsurancereinsurance | UNIMERICA LIFE INSURANCE COMPANY | 368 | $672K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 752 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.