| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $657 | $3K | 12.82% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 8.38% |
| JEREMY M EANES3 | 21729 E MERCER PL AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.35% |
| DAYTON LLC3 Filed as: DAYTON, LLC | 5445 DTC PARKWAY SUITE 306 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | $0 | $191 | 0.86% |
| JENNIFER L FREEMAN3 Filed as: JENNIFER LEE FREEMAN | 4879 STREAMBED TRL PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | $0 | $82 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $599 | $3K | 12.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $960 | $4K | 21.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- DENVER | 1900 SIXTEENTH ST DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$1K | -$275 | -$1K | -7.44% |
| 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 | $374 | $0 | $374 | 2.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | $0 | $340 | 2.43% |
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 | 106 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $21K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 54 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $23K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 279 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.