No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue Service code 12 | — | $4.6M |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator; Copying and duplicating; Claims processing Service code 12 | — | $2.0M |
| DELTA DENTAL OF COLORADO EIN 84-0568337 NONE | Claims processing; Contract Administrator Service code 12 | — | $287K |
| THE SEGAL COMPANY, INC. EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $180K |
| MINES AND ASSOCIATES, P.C. EIN 84-1028610 NONE | Claims processing Service code 12 | — | $179K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $165K |
| CREWS MACQUARRIE & ASSOCIATES, INC. EIN 38-3647875 NONE | Actuarial; Consulting (general) Service code 11 | — | $101K |
| BERENBAUM WEINSHIENK P.C. EIN 84-1075194 NONE | Legal Service code 29 | — | $81K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $58K |
| BMO HARRIS BANK NA EIN 36-2085229 NONE | Distribution (12b-1) fees; Securities brokerage commissions and fees; Finders' fees / placement fees; Soft dollars commissions; Custodial (securities); Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $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 | 10,227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 10,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 4,842 | $21.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,089 | $182K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 13,561 | $117K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 10,089 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,561 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.