| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 321 NORTH CLARK STREET, 11TH FLOOR CHICAGO, IL 60611 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 7.96% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WEST LAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $3K | $3K | 3.02% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60611 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $6 | $6K | 10.01% |
| BENEFITMALL3 | 4643 SOUTH ULSTER STREET, SUITE 200 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.34% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 321 NORTH CLARK STREET CHICAGO, IL 60611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $922 | $0 | $922 | 5.80% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT STORJOHANN | 10110 EATON STREET WESTMINSTER, CO 80020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $704 | $0 | $704 | 4.43% |
| ELIZABETH B FINEBERG3 Filed as: ELIZABETH FINEBERG | 549 WAGON BEND ROAD BERTHOUD, CO 80513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | $0 | $144 | 0.91% |
| KATHERINE ANDERSON3 | 3853 BUENA VISTA DRIVE LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.44% |
| JAMES J SCHAMBER3 Filed as: JAMES SCHAMBER | 6000 EAST EVANS AVENUE BUILDING 1, SUITE 300 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.44% |
| DONNA BONNE3 | 88 WEST MAPLE AVENUE DENVER, CO 80223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.25% |
| LARRY W NICHOLSON JR3 Filed as: LARRY NICHOLSON JR | 1331 WEST MOREHEAD STREET SUITE 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $84K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $84K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $58K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $58K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.