| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN W LOWDERMILK3 Filed as: JOHN DOWNING | 5299 DTC BLVD. SUITE 425 GEENWOOD VILLAGE, CO 80111 | ALLSTATE | $21K | — | $21K | 11.89% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE | $20K | — | $20K | 11.43% |
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE | $13K | — | $13K | 7.44% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS INC. | 75 SOUTH BROADWAY 4TH FLOOR WHITE PLAINS, NY 10601 | ALLSTATE | $5K | — | $5K | 2.97% |
| STEPHANIE A LEVINS3 Filed as: STEPHANIE LEVINS | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | ALLSTATE | $698 | — | $698 | 0.39% |
| ASSOCIATES HEALTH GROUP LLC3 | 333 W. HAMPDEN AVENUE SUITE 930 ENGLEWOOD, CO 80110 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.11% |
| ASSOCIATES GROUP OF COMPANIES3 Filed as: ASSOCIATES GROUP OF COMPANIES INC. | 8400 E. PRENTICE AVENUE SUITE 300 GREENWOOD, CO 80111 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.75% |
| DOWN COURT GROUP INC.3 | 5299 DTC BLVD. SUITE 425 GREENWOOD VILLAGE, CO 80111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| ASSOCIATES GROUP OF COMPANIES3 Filed as: ASSOCIATES GROUP OF COMPANIES INC. | 8400 E. PRENTICE AVENUE SUITE 300 GREENWOOD VILLAGE, CO 801112915 | VISION SERVICE PLAN | $2K | — | $2K | 3.98% |
| ASSOCIATES GROUP OF COMPANIES3 | 8400 E. PRENTICE AVENUE SUITE 300 GREENWOOD VILLAGE, CA 80111 | BETA HEALTH ASSOCIATION, INC. | $916 | — | $916 | 7.60% |
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 | 2,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 379 | $177K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 592 | $187K |
| Vision | VISION SERVICE PLAN | 352 | $43K |
| Life insurance(2 contracts, 2 carriers) | ALLSTATE | 2,103 | $231K |
| Other(3 contracts, 3 carriers) | ALLSTATE | 2,103 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,103 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.