| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: ENTERPRISE RISK STRATEGIES, LLC | 5619 DTC PARKWAY SUITE 475 GREENWOOD VILLAGE, CO 80111 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: ENTERPRISE RISK STRATEGIES, LLC | 5619 DTC PARKWAY SUITE 475 GREENWOOD VILLAGE, CO 80111 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STANDARD INSURANCE COMPANY EIN 93-0242990 NONE | Insurance services Service code 23 | — | $0 |
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 | 507 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | STANDARD INSURANCE COMPANY | 507 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.