| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 WEST UINTAH STREET SUITE 101 COLORADO SPRINGS, CO 80904 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $63K | $63K | 4.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL DRIVE SUITE 400 S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11 | $11 | 0.00% |
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 WEST UINTAH STREET SUITE 101 COLORADO SPRINGS, CO 80904 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $71 | $19K | 11.46% |
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 WEST UINTAH STREET SUITE 101 COLORADO SPRINGS, CO 80904 | DELTA DENTAL OF COLORADO | $7K | — | $7K | 7.00% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS LLC | — | ASSURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 24.28% |
| PFS INSURANCE GROUP LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $842 | — | $842 | 2.79% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO | — | ASSURITY LIFE INSURANCE COMPANY | -$47 | — | -$47 | -0.16% |
| DYLAN VALLINO3 | 237 TIMBER RIDGE COURT SEVERANCE, CO 80550 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 12.08% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY JOHNSTOWN, CO 80534 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $208 | — | $208 | 1.48% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS LLC | 1685 WEST UINTAH STREET SUITE 101 COLORADO SPRINGS, CO 80904 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $53 | — | $53 | 0.38% |
| KEVIN MOHLER UNLIMITED LLC3 | 44850 LINDA JONES ROAD BAY MINETTE, AL 36507 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | — | $35 | 0.25% |
| UNKNOWN3 Filed as: UNKNOWN BROKER | — | MEDICAL AIR SERVICES ASSOCIATION, INC | $759 | — | $759 | 6.06% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS | — | MEDICAL AIR SERVICES ASSOCIATION, INC | $493 | — | $493 | 3.94% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY SUITE 200 JOHNSTOWN, CO 80534 | HEALTHIEST YOU | $1K | — | $1K | 8.75% |
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 WEST UINTAH STREET 101 COLORADO SPRINGS, CO 80904 | HEALTHIEST YOU | $774 | — | $774 | 6.25% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | 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 | 130 | $1.3M |
| Dental | DELTA DENTAL OF COLORADO | 255 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $162K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $162K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $162K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $162K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.