| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INS INC | 4687 W 18TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $0 | $46K | 18.54% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INS INC | 4687 W 18TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.92% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES DBA P | 13750 SAN PEDRO AVE SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $11K | $0 | $11K | 22.31% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE, INC. | 4687 W 18TH STREET GREELEY, CO 80634 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 9.56% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES DBA P | 13750 SAN PEDRO AVE SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 6.44% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE, INC. | 4687 W 18TH STREET GREELEY, CA 80634 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 2.76% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES DBA P | 13750 SAN PEDRO AVE SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 5.87% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE, INC. | 4687 W 18TH STREET GREELEY, CO 80634 | TRUSTMARK INSURANCE COMPANY | $676 | $0 | $676 | 2.51% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES DBA P | 13750 SAN PEDRO AVE SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 11.49% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE INC. | 4687 W 18TH STREET GREELEY, CO 80634 | TRUSTMARK INSURANCE COMPANY | $980 | $0 | $980 | 4.93% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INS INC | PO BOX 578 GREELEY, CO 80632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $738 | $0 | $738 | 9.99% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $248K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $64K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $64K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 107 | $55K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 53 | $38K |
| Other(3 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 107 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.