| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 5.00% |
| DENVER MANAGEMENT ADVISORS3 Filed as: DENVER MANAGEMENT ADVISORS, INC | 5299 DTC BOULEVARD, SUITE 1250 GREENWOOD VILLAGE, IL 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.24% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 E 150TH AVENUE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 10.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6400 SOUTH FIDDLERS GREEN CIRCLE SUITE 2000 GREENWOOD, CO 80111 | UNUM INSURANCE COMPANY | $1K | $62 | $1K | 3.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, CO 60450 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 2.57% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, CO 84158 | UNUM INSURANCE COMPANY | $8 | $2 | $10 | 0.02% |
| DENVER MANAGEMENT ADVISORS3 Filed as: DENVER MANAGEMENT ADVISORS, INC | 5299 DTC BOULEVARD, SUITE 1250 GREENWOOD VILLAGE, CO 80111 | AMERITAS LIFE INSURANCE CORP | $311 | $0 | $311 | 3.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6400 SOUTH FIDDLERS GREEN CIRCLE SUITE 2000 GREENWOOD VILLAGE, CO 80111 | AMERITAS LIFE INSURANCE CORP | $1 | $0 | $1 | 0.01% |
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 | 734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 1,614 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,130 | $192K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,130 | $192K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,130 | $192K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,130 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,614 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.