| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 2.69% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 E TUFTS AVENUE, SUITE 1000 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 0.85% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | -$962 | — | -$962 | -0.08% |
| ROBERT MILLER3 Filed as: THE ROBERT MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 5.14% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 TUFTS AVENUE, SUITE 1000 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $745 | — | $745 | 0.96% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66221 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 8.40% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 7.63% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 E TUFTS AVENUE, SUITE 1000 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $337 | — | $337 | 2.37% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.2M |
| Dental | DELTA DENTAL OF COLORADO | 269 | $77K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $61K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $61K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $61K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.