No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Copying and duplicating; Plan Administrator Service code 12 | — | $2.3M |
| UMR, INC. EIN 39-1995276 NONE | Other insurance fees and expenses; Claims processing Service code 12 | — | $2.1M |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $284K |
| DELTA DENTAL OF COLORADO EIN 83-4416613 NONE | Contract Administrator; Claims processing Service code 12 | — | $272K |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal Service code 29 | — | $258K |
| THE SEGAL COMPANY, INC. EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $206K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator; Claims processing Service code 12 | — | $171K |
| MINES AND ASSOCIATES, INC. EIN 84-1028610 NONE | Claims processing Service code 12 | — | $166K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Actuarial; Consulting (general) Service code 11 | — | $156K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $52K |
| SECOVA, INC. EIN 33-0954754 NONE | Consulting (general) Service code 16 | — | $23K |
| LAZARD ASSET MANAGEMENT NONE | Soft dollars commissions; Investment management; Securities brokerage commissions and fees; Investment management fees paid directly by plan Service code 28 | 30 ROCKEFELLER PLAZA NEW YORK, NY 10112 | $12K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $6K |
| BMO HARRIS BANK NA EIN 36-2085229 NONE | Soft dollars commissions; Custodial (securities); Securities brokerage commissions and fees; Float revenue; Distribution (12b-1) fees; 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 | 8,829 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 3,948 | $27.6M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 8,560 | $210K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE STOP LOSS | 5,985 | $183K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 8,560 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,560 | — |
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.