| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 2000 SOUTH COLORADO BOULEVARD TOWER II, SUITE 900 LAKEWOOD, CO 80215 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $8K | — | $8K | 10.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 2000 SOUTH COLORADO BOULEVARD TOWER II, SUITE 900 DENVER, CO 80222 | ARMADACARE | $600 | — | $600 | 0.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | ARMADACARE | $300 | — | $300 | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 2000 SOUTH COLORADO BOULEVARD TOWER II, SUITE 900 DENVER, CO 80222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 8.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 2000 SOUTH COLORADO BOULEVARD TOWER II, SUITE 900 DENVER, CO 80222 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 12.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | 1 GLENLAKE PARKWAY, 11TH FLOOR ATLANTA, GA 30328 | KANAWHA INSURANCE COMPANY | — | $104 | $104 | 1.23% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 1,125 | $85K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 1,125 | $85K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 1,125 | $85K |
| Other(4 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 1,125 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,125 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.