| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WAYNE MONROE DRYE3 Filed as: WAYNE M DRYE | SIX CONCOURSE PKWY STE 3100 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 14.75% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION INC | SIX CONCOURSE PKWY STE 3100 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 1.97% |
| BETA HEALTH ASSOCIATION3 | 9725 EAST HAMPDEN AVENUE #400 DENVER, CO 80231 | DELTA DENTAL OF COLORADO | $13K | — | $13K | 7.90% |
| MT. CARMEL INSURANCE AGENCY3 Filed as: MT. CARMEL INSURANCE AGENCY, LLC | 1212 MOTOR CITY DRIVE COLORADO SPRINGS, CO 80905 | DELTA DENTAL OF COLORADO | $11K | — | $11K | 6.91% |
| MT. CARMEL INSURANCE AGENCY3 | 1212 MOTOR CITY DRIVE COLORADO SPRINGS, CO 80905 | BETA HEALTH ASSOCIATION, INC. | $3K | — | $3K | 7.60% |
| MT. CARMEL INSURANCE AGENCY3 | 1212 MOTOR CITY DRIVE COLORADO SPRINGS, CO 80905 | EYEMED VISION CARE | $4K | — | $4K | 11.30% |
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 | 807 | 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) | 807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | STANDARD SECURITY LIFE INSURANCE COMPANY | 873 | $360K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF COLORADO | 873 | $250K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 873 | $80K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 923 | $348K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 923 | $348K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 923 | $348K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE INSURANCE COMPANY | 516 | $317K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 923 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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.