| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK NEILL3 | 3410 WILLIAMS DR SUITE 420 MONTROSE, CO 81401 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.11% |
| MARK NEILL3 | 67787 OSPREY LN MONTROSE, CO 81401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 20.00% |
| MARK NEILL3 | 3410 WILLIAMS DR SUITE 420 MONTROSE, CO 81401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES LLC EIN 81-0391256 TPA | Other fees; Contract Administrator Service code 13 | — | $149K |
| MOUNTAIN WEST INSURANCE & FINANCIAL EIN 52-2364820 BROKER | Insurance agents and brokers Service code 22 | — | $65K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO | Other services Service code 49 | — | $48K |
| EMPLOYEE BENEFMT MGMT SERVICES LLC EIN 81-0391256 CASE MANAGEMENT | Other fees Service code 99 | — | $14K |
| COFINITY EIN 20-1274723 PPO | Other services Service code 49 | — | $6K |
| WESTERN HEALTHCARE ALLIANCE EIN 84-1159443 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 320 | $69K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 525 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 93 | $39K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 468 | $725K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 722 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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."
No prospect flags tripped on this filing.