| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROPER INSURANCE & FINANCIAL SVCS.3 | 9559 S. KINGSTON COURT ENGLEWOOD, CO 80112 | UNITED HEALTHCARE INSURANCE COMPANY | $95K | — | $95K | 3.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1900 E. 16TH AVE., SUITE 1000 DENVER, CO 80206 | UNITED HEALTHCARE INSURANCE COMPANY | $49K | — | $49K | 1.71% |
| ROPER INSURANCE & FINANCIAL SVCS.3 | 9559 S. KINGSTON COURT ENGLEWOOD, CO 80112 | DELTA DENTAL OF COLORADO | $9K | — | $9K | 3.65% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | DELTA DENTAL OF COLORADO | $5K | — | $5K | 1.96% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $3K | — | $3K | 1.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 12404 PARK CENTRAL DR., SUITE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| ROPER INSURANCE & FINANCIAL SVCS.3 | 9559 S. KINGSTON COURT ENGLEWOOD, CO 801125952 | VISION SERVICE PLAN | $1K | — | $1K | 2.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $622 | — | $622 | 1.05% |
| ROPER INSURANCE & FINANCIAL SVCS.3 | 9559 S. KINGSTON COURT ENGLEWOOD, CO 80112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 13.18% |
| ROPER INSURANCE & FINANCIAL SVCS.3 | 9559 S. KINGSTON COURT ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 259 N. RADNOR CHESTER RD., STE. 160 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.08% |
| ROPER INSURANCE & FINANCIAL SVCS.3 | 9559 S. KINGSTON COURT ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 259 N. RADNOR CHESTER RD., STE. 160 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.10% |
| ROPER INSURANCE & FINANCIAL SVCS.3 | 9559 S. KINGSTON COURT ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 259 N. RADNOR CHESTER RD., STE. 160 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.23% |
| ROPER INSURANCE & FINANCIAL SVCS.4 | 9559 S. KINGSTON COURT ENGLEWOOD, CO 80112 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | — | $3K | 33.34% |
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 | 339 | 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) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 586 | $2.9M |
| Dental | DELTA DENTAL OF COLORADO | 641 | $246K |
| Vision | VISION SERVICE PLAN | 226 | $59K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 354 | $34K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 214 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.