| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: KYSAR MILLENNIUM LEAVITT INSURANCE | 72 SUTTLE ST STE L DURANGO, CO 81303 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 3.95% |
| HM LIFE INSURANCE COMPANY3 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY DAVIS VISION | $20K | — | $20K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 1,175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 2,933 | $1.2M |
| Vision | HM LIFE INSURANCE COMPANY DAVIS VISION | 2,855 | $202K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,192 | $840K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,192 | $840K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,192 | $840K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,933 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.