| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING- DENVER | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | $0 | $64K | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 0.16% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1900 16TH ST, STE. 1000 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $8K | $0 | $8K | 2.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR, STE. 400S DALLAS, TX 75251 | DELTA DENTAL OF COLORADO | $8K | $0 | $8K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 0.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $6K | $0 | $6K | 5.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR, STE. 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $5K | $0 | $5K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $844 | $0 | $844 | 0.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- DENVER | 1900 SIXTEENTH ST. DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 12.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- DENVER | 1900 SIXTEENTH ST. DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 10.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $411 | $1K | 2.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- DENVER | 1900 SIXTEENTH ST. DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $776 | $4K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $779 | $311 | $1K | 2.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC. | 1125 17TH STREET, STE 1450 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $540 | $0 | $540 | 1.42% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $5.5M |
| Dental | DELTA DENTAL OF COLORADO | 263 | $383K |
| Vision | VISION SERVICE PLAN | 99 | $108K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $39K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $54K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.