| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 3711 JOHN F. KENNEDY PARKWAY SUITE 220 FORT COLLINS, CO 80525 | DELTA DENTAL OF COLORADO | $5K | $0 | $5K | 4.93% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.08% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREELEY, CO 80634 | VISION SERVICE PLAN | $799 | $0 | $799 | 7.03% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 252 | $96K |
| Vision | VISION SERVICE PLAN | 98 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $63K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $63K |
| 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.