| 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 | $108K | — | $108K | 2.52% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1900 16TH ST STE 1000 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $17K | — | $17K | 4.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | DELTA DENTAL OF COLORADO | — | $7K | $7K | 1.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $4K | — | $4K | 3.89% |
| AON CONSULTING INC3 | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| AON CONSULTING INC3 | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| AON CONSULTING INC3 | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.40% |
| 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 | $1K | — | $1K | 2.62% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN INSURANCE OF COLORADO | 2170 S. PARKER RD. DENVER, CO 80231 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 11.46% |
| AON CONSULTING INC4 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $758 | — | $758 | 4.08% |
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 | 719 | 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) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,068 | $4.3M |
| Dental | DELTA DENTAL OF COLORADO | 1,129 | $356K |
| Vision | VISION SERVICE PLAN | 411 | $97K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 344 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 719 | $57K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 344 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,129 | — |
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.
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.