| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT STREET DENVER, CO 80211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | — | $64K | 4.00% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT STREET DENVER, CO 80211 | DELTA DENTAL OF COLORADO | $8K | — | $8K | 5.40% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST. DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $562 | $2K | 5.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 1133 WESTCHESTER AVE. STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT STREET DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $537 | $5K | 11.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 1133 WESTCHESTER AVE. STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT STREET DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $461 | $7K | 18.20% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 1133 WESTCHESTER AVE. STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT STREET DENVER, CO 80211 | VISION SERVICE PLAN | $1K | — | $1K | 5.07% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST. DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $273 | $3K | 11.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 1133 WESTCHESTER AVE. STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST. DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $115 | $1K | 16.47% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST. DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $807 | $54 | $861 | 16.01% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $1.6M |
| Dental | DELTA DENTAL OF COLORADO | 166 | $140K |
| Vision | VISION SERVICE PLAN | 169 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $62K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $44K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.