| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI L GEISICK3 | 118 SETTERS DR EATON, CO 80615 | ALL SAVERS INSURANCE COMPANY | $34K | $0 | $34K | 10.48% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INS INC. | 4687 W. 18TH STREET GREELEY, CO 80634 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON DBA PEC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $15K | $0 | $15K | 41.89% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE, INC. | 4687 W 18TH STREET GREELEY, CO 80634 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 17.95% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON DBA PEC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 8.03% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE, INC. | 4687 W 18TH STREET GREELEY, CO 80634 | TRUSTMARK INSURANCE COMPANY | $773 | $0 | $773 | 3.44% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON DBA PEC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 8.13% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE, INC. | 4687 W 18TH STREET GREELEY, CA 80634 | TRUSTMARK INSURANCE COMPANY | $649 | $0 | $649 | 3.48% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON DBA PEC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 18.64% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE INC. | 4687 W 18TH STREET GREELEY, CO 80634 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 7.99% |
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 | 114 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALL SAVERS INSURANCE COMPANY | 114 | $320K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $77K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $77K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $114K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 41 | $19K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 114 | $320K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.