| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC.- DENVER CO | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 2.58% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1900 16TH ST STE 1000 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $13K | — | $13K | 4.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | DELTA DENTAL OF COLORADO | — | $5K | $5K | 1.98% |
| 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% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 4.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC | 2170 S PARKER RD DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.67% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.61% |
| AON CONSULTING INC3 | 5600 W 83RD ST STE 1100 BLOOMINGTON, MN 55437 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| AON CONSULTING INC3 | 5600 W 83RD ST STE 1100 BLOOMINGTON, MN 55437 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| AON CONSULTING INC3 | 5600 W 83RD ST STE 1100 BLOOMINGTON, MN 55437 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ROPER INSURANCE & FINANCIAL SVCS.4 | 9559 S. KINGSTON COURT ENGLEWOOD, CO 80112 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | — | $1K | 12.77% |
| AON CONSULTING INC4 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $174 | — | $174 | 1.58% |
| AEGIS PLANS LLC4 | APT 108 5335 S VALENTIA WAY GREENWOOD VILLAGE, CO 80111 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $73 | — | $73 | 0.66% |
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 | 373 | 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) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 682 | $2.8M |
| Dental | DELTA DENTAL OF COLORADO | 736 | $257K |
| Vision | VISION SERVICE PLAN | 258 | $61K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $35K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 258 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 736 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.