| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 2 RAVINIA DRIVE STE 1500 ATLANTA, GA 30346 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | $17K | $83K | 18.69% |
| BETA HEALTH ASSOCIATION3 | 6200 S SYRACUSE WAY SUITE 460 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $11K | $11K | $22K | 7.86% |
| MT. CARMEL INSURANCE AGENCY3 Filed as: MT. CARMEL INSURANCE AGENCY LLC | 1212 MOTOR CITY DRIVE COLORADO SPRINGS, CO 80905 | DELTA DENTAL OF COLORADO | $19K | — | $19K | 6.88% |
| WAYNE MONROE DRYE3 Filed as: WAYNE M DRYE | 2 RAVINIA DR SUITE 1500 ATLANTA, GA 30346 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 20.86% |
| MT. CARMEL INSURANCE AGENCY3 | 1212 MOTOR CITY DRIVE COLORADO SPRINGS, CO 80905 | EYEMED VISION CARE | $3K | — | $3K | 5.09% |
| MT. CARMEL INSURANCE AGENCY3 | 1212 MOTOR CITY DR. COLORADO SPRINGS, CO 80905 | BETA HEALTH ASSOCIATION, INC. | $3K | — | $3K | 7.60% |
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 | 1,026 | 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) | 1,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 621 | $319K |
| Vision | EYEMED VISION CARE | 794 | $49K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,026 | $446K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,026 | $446K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,026 | $446K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 576 | $380K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,026 | $570K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,026 | — |
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.