| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC. | 2505 E. MISSOURI AVE., 1ST FLOOR EL PASO, TX 79903 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $162K | — | $162K | 1.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $32K | — | $32K | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC. | 5755 MARK DABLING BLVD., SUITE 300 COLORADO SPRINGS, CO 80919 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | — | $1K | $1K | 0.01% |
| USI INSURANCE SERVICES LLC3 | 2505 E. MISSOURI AVE. EL PASO, TX 79903 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | — | $49K | 8.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 2.00% |
| USI INSURANCE SERVICES LLC3 | 2505 E. MISSOURI AVE. EL PASO, TX 79903 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | — | $43K | 16.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 3.85% |
| USI INSURANCE SERVICES LLC3 | 2505 E. MISSOURI AVE. EL PASO, TX 79903 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 15.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 11.18% |
| USI INSURANCE SERVICES LLC3 | 2505 E. MISSOURI AVE. EL PASO, TX 79903 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 8.82% |
| USI INSURANCE SERVICES LLC3 | 2505 E. MISSOURI AVE. EL PASO, TX 79903 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 16.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.48% |
| USI INSURANCE SERVICES LLC3 | 2505 E. MISSOURI AVE. EL PASO, TX 79903 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
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 | 1,337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 4,418 | $10.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,015 | $610K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 4,418 | $10.8M |
| Life insurance(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,612 | $417K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,293 | $152K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,612 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,418 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.