| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY, INC | 155 INVERNESS DRIVE WEST ENGLEWOOD, CO 801125000 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 9.22% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY, INC. | 155 INVERNESS DR W ENGLEWOOD, CO 80112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $1K | $8K | 4.79% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY CCIG | 155 INVERNESS DR W STE 800 ENGLEWOOD, CO 801125000 | VISION SERVICE PLAN | $1K | — | $1K | 5.19% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DRIVE W ENGLEWOOD, CO 80112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $795 | $3K | 18.15% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DRIVE W ENGLEWOOD, CO 80112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $569 | $3K | 17.25% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DRIVE W ENGLEWOOD, CO 80112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $595 | $2K | 20.31% |
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 | 250 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 200 | $160K |
| Vision | VISION SERVICE PLAN | 164 | $21K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $183K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $183K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $183K |
| Other(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.