| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | $3K | $41K | 7.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN AND ASSOC., LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.09% |
| SHEILA DAVIS3 Filed as: SHEILA M. DAVIS | PO BOX 563 CRAIG, CO 81626 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.71% |
| DUSTIN T HARRIS3 Filed as: DUSTIN T. HARRIS | 915 COLORADO AVENUE GLENWOOD SPRINGS, CO 81601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.69% |
| MJ INSURANCE3 Filed as: GREGORY G. WAY AND VARIOUS AGENTS | 13074 COFFEE TREE STREET PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $933 | $0 | $933 | 2.31% |
| AMY M BUCHANAN3 Filed as: AMY BUCHANAN | 2277 WEST 3RD AVENUE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $729 | $0 | $729 | 1.80% |
| MANNY AM LLC3 Filed as: MANNY AM, LLC | 1048 INDEPENDENT AVENUE, SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $488 | $0 | $488 | 1.21% |
| ANNETTE S WULFF3 Filed as: ANNETTE S. WULFF | 471 E. SCENIC DRIVE GRAND JUNCTION, CO 81507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $458 | $0 | $458 | 1.13% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $567K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $567K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $567K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $66K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $567K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.