Orthopaedic & Spine Center of the Rockies
Updated Filing received by DOL
Orthopaedic & Spine Center of the Rockies, a healthcare & social assistance employer in Fort Collins, Colorado, reported 614 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 5 insurance contracts with no premium reported and $29,336 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on August 11, 2026, within the extension window.
Who was paid on Orthopaedic & Spine Center of the Rockies's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Orthopaedic & Spine Center of the Rockies filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Rolling Meadows, IL | $14,147 | $8,320 | $22,467 | 4 |
| Michael Shirazi · Greeley, CO | $6,869 | $0 | $6,869 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Sun Life Assurance Company of Canadalife, short-term disability, long-term disability | 993 | — | — | — |
| Sun Life Assurance Company of Canadavision | 437 | — | $8,325 | — |
| Trustmark Insurance Companycoverage not coded | 35 | — | $13,631 | — |
| Cigna Health and Life Insurance Company and Affiliatesdental, indemnity | 493 | — | $1,900 | — |
| Reliance Matrixlife, short-term disability, long-term disability | 2 | — | $5,480 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Orthopaedic & Spine Center of the Rockies compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 565 | 614 | +8.7% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $104,949 | $29,336 | −72.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Orthopaedic & Spine Center of the Rockies Health and Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | August 11, 2026 | within extension | 614 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Orthopaedic & Spine Center of the Rockies pay in health insurance broker commissions in 2025?
Orthopaedic & Spine Center of the Rockies's 2025 Form 5500 reports $29,336 in broker commissions and fees across 5 insurance contracts ($21,016 in commissions, $8,320 in fees), with Gallagher receiving the largest share.
Is Orthopaedic & Spine Center of the Rockies's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Orthopaedic & Spine Center of the Rockies's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Orthopaedic & Spine Center of the Rockies because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.