| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS, LLC | 8205 WEST 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $65K | $65K | 4.71% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS, LLC | 8205 WEST 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.35% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.91% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.92% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 22.31% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 7.31% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $898 | $3K | 21.51% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $898 | $898 | 6.50% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS, LLC | 8205 WEST 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 13.91% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS INC | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $398 | $398 | 4.64% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS, LLC | 8205 WEST 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $897 | — | $897 | 13.93% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $299 | $299 | 4.64% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS, LLC | 8205 WEST 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $723 | — | $723 | 13.82% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $241 | $241 | 4.61% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $1.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $14K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.