| 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 | $19K | $0 | $19K | 17.45% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI-MILLER BENEFITS, LLC. | 8205 WEST 20TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $9K | 13.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SERVICES | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $366 | $366 | 0.53% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $111K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $111K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $111K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $69K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $111K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $69K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.