| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PKWY STE 200 JOHNSTOWN, CO 80534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $31K | $37K | 2.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 2.00% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS LLC | 1685 W. UINTAH STREET SUITE 101 COLORADO SPRINGS, CO 80904 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 0.82% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINANCIAL SERVICES LLC | 4848 THOMPSON PARKWAY SUITE 200 JOHNSTOWN, CO 80534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.48% |
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 W. UINTAH STREET SUITE 207 COLORADO SPRINGS, CO 80904 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.89% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PKWY SUITE 200 JOHNSTOWN, CO 80534 | DELTA DENTAL OF COLORADO | $5K | — | $5K | 5.73% |
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 W. UINTAH STREET SUITE 207 COLORADO SPRINGS, CO 80904 | DELTA DENTAL OF COLORADO | $1K | — | $1K | 1.26% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PKWY SUITE 200 JOHNSTOWN, CO 80534 | ASSURITY LIFE INSURANCE COMPANY | $18K | — | $18K | 65.63% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | THOMPSON PKWY JOHNSTOWN, CO 80534 | ASSURITY LIFE INSURANCE COMPANY | $47 | — | $47 | 0.17% |
| PFS INSURANCE GROUP LLC3 Filed as: PFS INS GROUP LLC | 4848 THOMPSON PKWY STE 200 JOHNSTOWN, CO 80534 | HEALTHIEST YOU | $2K | — | $2K | 14.01% |
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 W. UINTAH STREET SUITE 207 COLORADO SPRINGS, CO 80904 | HEALTHIEST YOU | $123 | — | $123 | 0.99% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $1.3M |
| Dental | DELTA DENTAL OF COLORADO | 141 | $94K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $167K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $167K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $167K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $167K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.