| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 9781 S MERIDIAN BLVD STE 110 ENGLEWOOD, CO 80112 | SYMETRA LIFE INSURANCE COMPANY | $205K | — | $205K | 3.00% |
| SBR SERVICES LLC3 | 2300 WINDY RIDGE PKWY STE 695S ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | — | $83K | $83K | 1.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 9781 MERIDAN BLVD, SUITE 110 ENGLEWOOD, CO 80112 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $591K |
| COMPUSYS OF COLORADO, INC EIN 84-0721304 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $346K |
| TRANSFORM WEALTH EIN 84-1522071 NONE | Investment management; Direct payment from the plan Service code 28 | — | $229K |
| ROBEIN URANN SPENCER PICARD & CANGE EIN 72-0999672 NONE | Legal; Direct payment from the plan Service code 29 | — | $79K |
| US BANK EIN 31-0841368 NONE | Custodial (other than securities) Service code 18 | — | $68K |
| CO DENTAL SERVICE DBA DELTA DENTAL EIN 84-0568337 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $61K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $55K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $52K |
| CRIS ESQUIVEL EIN 84-6049226 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $40K |
| QUEST DIAGNOSTIC EIN 38-2084239 NONE | Direct payment from the plan; Other fees Service code 50 | — | $22K |
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 | 1,531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 68 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,531 | $66K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,516 | $6.8M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,531 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,531 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.