No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RUBINBROWN LLP EIN 43-0765316 NONE | Accounting (including auditing) Service code 10 | — | $137K |
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Contract Administrator Service code 13 | — | $50K |
| NORTHWEST PLAN SERVICES EIN 91-2090931 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $40K |
| CHRISTENSEN JAMES & MARTIN, CHTD EIN 88-0330040 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| PHC OF NEVADA INC. EIN 04-3290453 NONE | Insurance services Service code 23 | — | $26K |
| BMO HARRIS BANK NA EIN 36-2085229 NONE | Custodial (securities) Service code 19 | — | $16K |
| MILLIMAN ADVISORS, LLC EIN 91-0675641 NONE | Investment advisory (plan) Service code 27 | — | $14K |
| MARSH & MCLENNAN INSURANCE AGENCY EIN 36-1436000 NONE | Insurance agents and brokers Service code 22 | — | $13K |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HMO COLORADO, INC | 703 | $3.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 442 | $245K |
| Vision | VISION SERVICE PLAN | 287 | $42K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 763 | $17K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 763 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.