| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| 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 | $1K | $1K | 3.53% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREELEY, CO 80634 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORPORATION | $683 | $0 | $683 | 2.09% |
| TIFFANY EILEEN STILLER3 | 6215 SAN VICENTE BOULEVARD LOS ANGELES, CA 90048 | AMERITAS LIFE INSURANCE CORPORATION | $499 | $0 | $499 | 1.52% |
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 | 82 | 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) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 116 | $33K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $40K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.