| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| OPTAVISE, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 35.49% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $959 | $0 | $959 | 2.47% |
| KRISTA K PRICE3 Filed as: KRISTA KAYLENE PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | $0 | $124 | 0.32% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.08% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS. AND OTHER AGENTS | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$16 | $0 | -$16 | -0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 741259 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 4198141 BOSTON, MA 02241 | HEALTHIEST YOU | $344 | $0 | $344 | 14.98% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHIEST YOU | 15 | $2K |
| Vision | VISION SERVICE PLAN | 118 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $66K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $66K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $66K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 363 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.