| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $93K | $0 | $93K | 4.00% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | DELTA DENTAL OF COLORADO | $8K | $0 | $8K | 4.81% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 7.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 21.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| FALL RIVER CONSULTING GROUP LLC | 2829 WYANDOT ST DENVER, CO 80211 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.79% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $414 | $2K | 19.03% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $872 | $258 | $1K | 19.43% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $2.3M |
| Dental | DELTA DENTAL OF COLORADO | 498 | $161K |
| Vision | VISION SERVICE PLAN | 234 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $54K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.