| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INSURANCE | 83 WOOSTER HEIGHTS DANBURY, CT 068107548 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | — | $9K | 1.28% |
| BRUCE BALLENGER3 | 3220 N ACADEMY BLVD COLORADO SPRINGS, CO 80917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65K | — | $65K | 37.73% |
| DESIRAE OLSON-HEIBERGER3 | 4480 LOOMIS AVE COLORADO SPRINGS, CO 80906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $7K | $19K | 10.80% |
| BRITTON JOHNSON3 Filed as: BRITTON LYNN JOHNSON | 6531 TWIN FALLS COURT COLORADO SPRINGS, CO 80924 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 10.33% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST, 9TH FL CHICAGO, IL 60601 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| BRUCE BALLENGER3 | 3220 N ACADEMY BLVD COLORADO SPRINGS, CO 80917 | THE PAUL REVERE LIFE INSURANCE COMPANY | $284 | — | $284 | 7.73% |
| DESIRAE OLSON-HEIBERGER3 | 4480 LOOMIS AVE COLORADO SPRINGS, CO 80906 | THE PAUL REVERE LIFE INSURANCE COMPANY | $178 | — | $178 | 4.84% |
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 | 6,525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 272 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 131 | $740K |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,935 | $604K |
| Vision | VISION SERVICE PLAN | 4,045 | $647K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 6,525 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 341 | $177K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 6,525 | $901K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 131 | $740K |
| Other(9 contracts, 7 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 9,009 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,009 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.