| 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 | — | $67K | $67K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $207 | $207 | 0.02% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS LLC | 1685 WEST UINTAH STREET SUITE #101 COLORADO SPRINGS, CO 80904 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 11.40% |
| VIDA BUSINESS SOLUTIONS, LLC3 | 1685 WEST UINTAH STREET SUITE 101 COLORADO SPRINGS, CO 80904 | DELTA DENTAL OF COLORADO | $8K | — | $8K | 8.02% |
| VIDA BUSINESS SOLUTIONS, LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 27.49% |
| PFS INSURANCE GROUP LLC3 Filed as: PFS INSURANCE GROUP, LLC | — | ASSURITY LIFE INSURANCE COMPANY | $722 | — | $722 | 2.03% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS TYLER JOHNS | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | — | $2K | 7.83% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | — | $2K | 6.82% |
| VIDA BUSINESS SOLUTIONS, LLC3 Filed as: VIDA BUSINESS SOLUTIONS | 1685 WEST UINTAH STREET SUITE 101 COLORADO SPRINGS, CO 80904 | HEALTHIEST YOU | $3K | — | $3K | 15.00% |
| DYLAN VALLINO3 | 237 TIMBER RIDGE COURT SEVERANCE, CO 80550 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 7.17% |
| 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 | $368 | — | $368 | 2.47% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY SUITE 200 JOHNSTOWN, CO 80534 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $105 | — | $105 | 0.71% |
| KEVIN MOHLER UNLIMITED LLC3 | 44850 LINDA JONES ROAD BAY MINETTE, AL 36507 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | — | $35 | 0.24% |
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 | 161 | 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) | 162 | 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 | 155 | $1.4M |
| Dental | DELTA DENTAL OF COLORADO | 157 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $181K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $181K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $181K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $181K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.