Form 5500 · Employee benefit plan · LOUISVILLE, CO
DNPR SERVICES
The filing calls this plan DNPR HEALTH AND WELFARE PLAN.
DNPR SERVICES of LOUISVILLE, CO spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is PEAK BENEFITS. Coverage is written through PACE UNDERWRITERS and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 51-0453048 · plan 501 · plan year 2024, filed Jul 24, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 10 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with PACE UNDERWRITERS, covers 127 people.
The filing declares vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 3 contracts here that do not say what they cover.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $514,499 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $811,077, with $34,579 in disclosed broker commissions — about 4.3% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL | Dental | 298 | Jan 1, 2025 | $127,189 | $11,513 |
| MUTUAL OF OMAHA | Life | 137 | Jan 1, 2025 | $46,548 | $9,310 |
| MUTUAL OF OMAHA | Disability | 137 | Jan 1, 2025 | $21,263 | $4,292 |
| MUTUAL OF OMAHA | Disability | 137 | Jan 1, 2025 | $21,263 | $3,189 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 27 | Jan 1, 2025 | $14,687 | $2,749 |
| VISION SERVICE PLAN | Vision | 127 | Jan 1, 2025 | $32,043 | $1,450 |
| MUTUAL OF OMAHA | Life | 137 | Jan 1, 2025 | $8,211 | $1,232 |
| PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | — | 28 | Jan 1, 2025 | $5,195 | $844 |
| PACE UNDERWRITERS | Stop-loss | 127 | Jan 1, 2025 | $514,499 | $0 |
| TOKIO MARINE HCC | — | 124 | Jan 1, 2025 | $20,179 | $0 |
Premium and claims on this contract
DELTA DENTAL, contract 00000012209. For the contract year on this filing, the carrier reported $127,189 in premium earned and $87,630 in claims incurred. Dividing one by the other gives 69%.
- DELTA DENTAL, contract 00000012209 reported $24,232 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
Subscribers see how this compares with similar plans in Colorado. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
More employer plans in Colorado — largest plans, brokers, carriers and renewal months.