| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 13.53% |
| JOHN W LOWDERMILK3 Filed as: JOHN DOWNING | 5299 DTC BLVD. SUITE 425 GEENWOOD VILLAGE, CO 80111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 5.17% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 4.51% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.67% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS INC. | 75 SOUTH BROADWAY 4TH FLOOR WHITE PLAINS, NY 10601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| STEPHANIE A LEVINS3 Filed as: STEPHANIE LEVINS | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | — | $213 | 0.12% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE EMPLOYEE | 1401 LAWRENCE ST. SUITE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 9.44% |
| COBIZ INSURANCE3 | 821 17TH ST. 8TH FLOOR DENVER, CO 80202 | HEALTHIEST YOU | $7K | — | $7K | 20.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCW | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | BETA HEALTH ASSOCIATION, INC. | $2K | — | $2K | 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 | 2,907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BETA HEALTH ASSOCIATION, INC. | 114 | $24K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,907 | $253K |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,907 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,907 | — |
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.