| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 RAMSHORN EXECUTIVE CENTER, UNIT C 2 MANASQUAN, NJ 08736 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $5K | $0 | $5K | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEVADA, INC. | 8337 WEST SUNSET ROAD, SUITE 150 LAS VEGAS, NV 89113 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $4K | $0 | $4K | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 91109 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $3K | $0 | $3K | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF VA, INC. | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $0 | $2K | $2K | 0.04% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 RAMSHORN EXECUTIVE CENTER, UNIT C 2 MANASQUAN, NJ 08736 | HMO COLORADO | $5K | $0 | $5K | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEVADA, INC. | 8337 WEST SUNSET ROAD, SUITE 150 LAS VEGAS, NV 89113 | HMO COLORADO | $4K | $0 | $4K | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 91109 | HMO COLORADO | $3K | $0 | $3K | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF VA, INC. | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | HMO COLORADO | $0 | $2K | $2K | 0.04% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 RAMSHORN EXECUTIVE CENTER, UNIT C 2 MANASQUAN, NJ 08736 | ANTHEM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | PO BOX 7430535 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $638 | $0 | $638 | 7.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | METROPOLITAN GENERAL INSURANCE COMPANY | $270 | $12 | $282 | 3.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $190 | $0 | $190 | 2.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B-200 AUSTIN, TX 78746 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $14 | $14 | 0.16% |
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 | 840 | 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. |
| Total participants (= "Plan participants" tile) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,494 | $8.0M |
| Dental | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,494 | $4.1M |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,494 | $4.1M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 3,925 | $390K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 3,925 | $390K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 3,925 | $390K |
| Prescription drug(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,494 | $8.0M |
| Other(3 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 3,925 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,925 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.