| 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 | $163K | — | $163K | 2.50% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1900 16TH ST STE 1000 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $11K | — | $11K | 2.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | DELTA DENTAL OF COLORADO | $5K | — | $5K | 0.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR. SUITE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $7K | — | $7K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | -$3K | — | -$3K | -2.10% |
| AON CONSULTING INC3 | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| AON CONSULTING INC3 | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| AON CONSULTING INC3 | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC | 1122 17TH STREET SUITE 1450 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $786 | — | $786 | 1.49% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN INSURANCE OF COLORADO | 2170 S. PARKER RD. SUITE 251 DENVER, CO 80231 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | — | $3K | 12.06% |
| AON CONSULTING INC4 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 5.70% |
| GARY SUGAR4 | 5271 S. IRELAND WAY CENTENNIAL, CO 80015 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $21 | — | $21 | 0.08% |
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 | 853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 594 | $6.5M |
| Dental | DELTA DENTAL OF COLORADO | 1,735 | $552K |
| Vision | VISION SERVICE PLAN | 531 | $142K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $87K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 283 | $99K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 834 | $97K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,735 | — |
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.