| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | — | $59K | 12.53% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH ST STE A GREELEY, CO 80631 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 8.96% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION INC | 6200 S. SYRACUSE WAY STE 460 GREENWOOD VILLAGE, CO 80111 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.87% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST STE A GREELEY, CO 80634 | COMPANION LIFE INSURANCE COMPANY | $245 | — | $245 | 0.79% |
| SHIRAZI-MILLER BENEFITS LLC7 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $424 | $3K | 11.39% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.00% |
| SHIRAZI-MILLER BENEFITS LLC7 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $483 | $3K | 12.27% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $851 | $851 | 4.00% |
| SHIRAZI-MILLER BENEFITS LLC7 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $387 | $2K | 11.87% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $827 | $827 | 4.00% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH ST GREELEY, CO 80634 | METROPOLITAN LIFE INSURANCE COMPANY | $864 | — | $864 | 6.99% |
| INS EXCHANGE LLC3 | 5 ROEHM CT WEST ORANGE, NJ 070526606 | METROPOLITAN LIFE INSURANCE COMPANY | $386 | $257 | $643 | 5.20% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION INC | 6200 S SYRACUSE WAY STE 460 C/O CARRARA PLACE GREENWOOD VILLAGE, CO 801114760 | METROPOLITAN LIFE INSURANCE COMPANY | $448 | $177 | $625 | 5.06% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | METROPOLITAN LIFE INSURANCE COMPANY | $254 | — | $254 | 2.06% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI-MILLER BENEFITS, LLC | 8205 W 20TH ST GREELEY, CO 80634 | BETA HEALTH | $2K | — | $2K | 14.25% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH ST STE A GREELEY, CO 80631 | COMPANION LIFE INSURANCE COMPANY | $860 | — | $860 | 9.75% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION INC | 6200 S SYRACUSE WAY STE 460 GREENWOOD VILLAGE, CO 80111 | COMPANION LIFE INSURANCE COMPANY | $432 | — | $432 | 4.90% |
| KIMBER K. KORSGAARD4 | UNIT 104 1112 OAKRIDGE DR. FT. COLLINS, CO 80525 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 18.67% |
| SHIRAZI-MILLER BENEFITS LLC4 Filed as: SHIRAZI BENEFITS LLC | OFC 8205 W 20TH ST GREELEY, CO 80634 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $681 | — | $681 | 10.46% |
| DYLAN VALLINO4 | 1230 WALNUT ST WINDSOR, CO 80550 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $149 | — | $149 | 2.29% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI-MILLER BNFTS LLC | 8205 W 20TH ST GREELEY, CO 80634 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | — | $141 | 5.60% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINL SERVICES LLC | 4848 THOMPSON PARKWAY STE 200 JOHNSTOWN, CO 80534 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.99% |
| KIMBER K. KORSGAARD4 | UNIT 104 1112 OAKRIDGE DR FT. COLLINS, CO 80525 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $154 | — | $154 | 10.82% |
| SHIRAZI-MILLER BENEFITS LLC4 Filed as: SHIRAZI BENEFITS LLC | OFC 8205 W 20TH ST FT. COLLINS, CO 80634 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $59 | — | $59 | 4.15% |
| DYLAN VALLINO4 | 1230 WALNUT ST WINDSOR, CO 80550 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10 | — | $10 | 0.70% |
| SHIRAZI-MILLER BENEFITS LLC7 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | $14 | $103 | 11.64% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $35 | $35 | 3.95% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $472K |
| Dental(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 40 | $51K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 252 | $21K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $31K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $472K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 252 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.