| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENVER MANAGEMENT ADVISORS3 Filed as: DENVER MANAGEMENT ADVISORS, INC. | 5299 DTC BLVD STE 425 GREENWOOD VILLAGE, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $369 | — | $369 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTHWEST SERVICE ADMINISTRATORS EIN 86-0785790 NONE | Claims processing; Contract Administrator; Other fees; Direct payment from the plan Service code 12 | — | $1.4M |
| WISE NETWORK EIN 20-3082496 NONE | Direct payment from the plan; Other fees Service code 50 | — | $135K |
| PRINCE YEATES & GELDZAHLER EIN 87-0156805 NONE | Legal; Direct payment from the plan Service code 29 | — | $79K |
| DENVER MANAGEMENT ADVISORS, INC. NONE | Consulting (general); Direct payment from the plan Service code 16 | 2825 E COTTONWOOD PKWY STE 500 SALT LAKE CITY, UT 84121 | $52K |
| AMERICAN HEALTH GROUP NONE | Direct payment from the plan; Other fees Service code 50 | 2152 S VINEYARD MESA, AZ 85210 | $44K |
| OPTUMRX NONE | Other fees; Direct payment from the plan Service code 50 | 2300 MAIN ST IRVINE, CA 92614 | $29K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| PATIENTS' CARE PARTNERSHIP EIN 86-1005647 NONE | Other fees; Direct payment from the plan Service code 50 | — | $14K |
| THE SEGAL COMPANY NONE | Direct payment from the plan; Actuarial Service code 11 | 100 MONTGOMERY ST STE 500 SAN FRANCISCO, CA 941044308 | $12K |
| MORGAN STANLEY EIN 36-3145972 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $11K |
| RON ROY AND ASSOCIATES EIN 87-0429084 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $7K |
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 | 2,235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,178 | $321K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,198 | $476K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,178 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,198 | — |
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.