| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY CREEK BENEFITS3 | 5660 GREENWOOD PLAZA BLVD SUITE 400 GREENWOOD, CO 80111 | RELIASTAR LIFE INSURANCE COMPANY | $36K | $9K | $46K | 3.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $451K |
| COMPUSYS OF COLORADO, INC EIN 84-0721304 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $346K |
| STRATEGIC CAPITAL ADVISORS, INC. EIN 84-1522071 NONE | Investment management; Direct payment from the plan Service code 28 | — | $212K |
| CO DENTAL SERVICE DBA DELTA DENTAL EIN 84-0568337 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $63K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $52K |
| US BANK EIN 31-0841368 NONE | Custodial (other than securities) Service code 18 | — | $49K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $45K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $40K |
| MARIA BELEN-TEJADA EIN 52-1890533 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| ROBEIN URANN SPENCER PICARD & CANGE EIN 72-0999672 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| QUEST DIAGNOSTIC EIN 38-2084239 NONE | Direct payment from the plan; Other fees Service code 50 | — | $15K |
| CIGNA | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $0 |
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 | 1,735 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,675 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,675 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.