| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 3.90% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 4.58% |
| MISTY M KRUG3 | 1686 CHRISTEN SEN RD MOUNTAIN HOME, AR 72653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $441 | — | $441 | 2.60% |
| JEFFREY P PRICE3 | 3864 S QUINCES STREET DENVER, CA 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $366 | — | $366 | 2.16% |
| KRISTA K PRICE3 | 3864 S QUINCE ST DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 1.49% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 S QUATAR ST AURORA, CA 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | — | $239 | 1.41% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 1.02% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.92% |
| SUPERIOR VISION5 | 939 ELKRIDGE LANDING ROAD STE 200 LINTHICUM, MD 21090 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.30% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $719 | — | $719 | 10.75% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 244 | $957K |
| Dental | DELTA DENTAL OF COLORADO | 189 | $53K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 192 | $18K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 34 | $24K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 34 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.