| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $6K | $23K | 17.08% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI- MILLER BENEFITS LLC | 8205 WEST 20TH STREET GREELEY, CO 80634 | AMERITAS LIFE INSURANCE CORP | $12K | $0 | $12K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. SVCS. LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORP | $3K | $0 | $3K | 4.00% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 231 | $78K |
| Vision | AMERITAS LIFE INSURANCE CORP | 231 | $78K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 281 | $137K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 281 | $137K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 281 | $137K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 281 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.