| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $0 | $16K | 13.57% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 WEST 20TH STREET GREELEY, CO 80634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 13.77% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 11.89% |
| MYWHY LLC3 | 225 FOSTER LANE WHITEWATER, CO 81527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.54% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 4312 BROOKSTONE COURT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.24% |
| KIMBERLY SCOTT3 | 312 NORTH MESA VERDE AVENUE AZTEC, NM 87410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $569 | $0 | $569 | 1.61% |
| LAURA M MARCOTTE3 Filed as: LAURA MARIE PROBASCO | 4312 BROOKSTONE COURT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 383 | $121K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 383 | $121K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 383 | $121K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 383 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.