| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVIS VISION3 | 881 ELKRIDGE LANDING RD SUITE 300 LINTHICUM, MD 21090 | HM LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSPITAL & MEDICAL EIN 84-0747736 SERVICE PROVIDER | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $3.4M |
| UNITED HEALTHCARE INS EIN 52-1996029 STOP LOSS INS | Insurance services Service code 23 | — | $2.3M |
| SHIRAZI-MILLER BENEFITS LLC EIN 20-4864708 BROKER | Insurance agents and brokers Service code 22 | — | $181K |
| GLENWOOD INSURANCE AGENCY EIN 84-1483596 BROKER | Insurance agents and brokers Service code 22 | — | $179K |
| MINES AND ASSOCIATES EIN 20-0908354 MENTAL HEALTH PROVIDER | Insurance services Service code 23 | — | $161K |
| 2MH LLC EIN 84-1579977 BROKER | Insurance agents and brokers Service code 22 | — | $155K |
| UNITED HEALTHCARE INS CO EIN 36-2739571 LIFE INSURANCE | Insurance services Service code 23 | — | $149K |
| THE SEGAL COMPANY EIN 94-1503999 PLAN ADVISOR | Other fees Service code 99 | — | $146K |
| WOODRIDGE ADVISORS LLC EIN 45-4890321 WEB DESIGN | Other services Service code 49 | — | $139K |
| NEIL GARING AGENCY EIN 84-0971036 BROKER | Insurance agents and brokers Service code 22 | — | $89K |
| MIA CORP EIN 47-2482907 BROKER | Insurance agents and brokers Service code 22 | — | $72K |
| SPENCER FANE LLP EIN 44-0561981 LEGAL | Legal Service code 29 | — | $68K |
| MOUNTAIN WEST INSURANCE & FINANCIAL EIN 52-2364820 BROKER | Insurance agents and brokers Service code 22 | — | $61K |
| ASSURED PARTNERS OF COLORADO EIN 37-1758285 BROKER | Insurance agents and brokers Service code 22 | — | $60K |
| CONTRACTORS HEALTH TRUST EIN 84-6067792 PLAN SPONSOR | Employee (plan) Service code 30 | — | $47K |
| PLANTE & MORAN PLLC EIN 38-1357951 AUDITOR | Accounting (including auditing) Service code 10 | — | $43K |
| DEVLIN FINANCIAL SERVICES EIN 20-1475067 BROKER | Insurance agents and brokers Service code 22 | — | $41K |
| HUB INTERNATIONAL INSURANCE SERVICE EIN 43-1155276 BROKER | Insurance agents and brokers Service code 22 | — | $35K |
| THE WRIGHT GROUP SERVICES EIN 37-1758285 BROKER | Insurance agents and brokers Service code 22 | — | $33K |
| DCI GRAND JUNCTION DIALYSIS EIN 62-0850498 CLAIMS | Insurance services Service code 23 | — | $27K |
| SEGAL SELECT INSURANCE EIN 46-0619194 FIDUCIARY | Other services Service code 49 | — | $27K |
| MOODY INSURANCE EIN 84-0622206 BROKER | Insurance agents and brokers Service code 22 | — | $26K |
| LOCKTON COMPANIES EIN 20-3354970 BROKER | Insurance agents and brokers Service code 22 | — | $25K |
| MICHAEL SAILOR INSURANCE EIN 84-1373942 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| LEAVITT GROUP EIN 84-1346644 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| CHERRY CREEK INS DBA CCIG EIN 84-1040215 BROKER | Insurance agents and brokers Service code 22 | — | $17K |
| BENESYS EIN 38-2383171 THIRD PARTY ADMINISTRATO | Plan Administrator Service code 14 | — | $16K |
| FLOOD AND PETERSON BENEFITS LL EIN 84-0475762 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| CONSOLIDATED INSURANCE GROUP EIN 90-0270681 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| COLORADO INSURANCE STORE EIN 02-0775582 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| USI INSURANCE SERVICES EIN 13-3771734 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| GERALD L LUKTON INC EIN 74-2443648 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
| CORNERSTONE INS & FINANCING EIN 81-1005479 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| PFS INSURANCE GROUP EIN 84-1542290 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
| YOU BENEFIT INSURANCE SERVICES EIN 60-9088138 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
| PEAK BENEFITS EIN 45-4193330 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| CHERRY CREEK BENEFITS EIN 84-1143971 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
| HMO COLORADO, INC. EIN 84-1017384 SERVICE PROVIDER | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Contract Administrator Service code 12 | — | $5K |
| ASSURED EQUITY MANAGEMENT EIN 20-0857620 BROKER | Insurance agents and brokers Service code 22 | — | $4K |
| TAGGART & ASSOCIATES EIN 84-0562640 BROKER | Insurance agents and brokers Service code 22 | — | $4K |
| DIGITAL INSURANCE LLC EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $3K |
| CAVIGNAC & ASSOCIATES EIN 33-0515081 BROKER | Insurance agents and brokers Service code 22 | — | $3K |
| COLORADO INSURANCE BENEFITS EIN 42-1638219 BROKER | Insurance agents and brokers Service code 22 | — | $3K |
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 | 4,431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 2,928 | $836K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 2,826 | $162K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 4,431 | $150K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 4,499 | $2.3M |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 4,431 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,499 | — |
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.