| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $13K | $1K | $14K | 5.53% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNITED HEALTH CARE INSURANCE COMPANY | $13K | — | $13K | 6.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.95% |
| DAVID J MCCLELLAN3 Filed as: DAVID G BOYKIN | 4 IVANHOE WOODS CT KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY | $79 | — | $79 | 0.16% |
| NATIONAL BENEFITS CONSULTANTS, INC.3 Filed as: NATIONAL BENEFITS CONSULTANTS | PO BOX 370528 DENVER, CO 80237 | UNITED DENTAL CARE OF COLORADO | $3K | — | $3K | 9.99% |
| DON C SUNDAY3 | 7234 HEADLIGHT RD STRASBURG, CO 80136 | AFLAC | $992 | $184 | $1K | 6.88% |
| SHARON K BERKEL MASTERS3 | 8 WESTWOOD ESTATES DR ST PETERS, MO 63376 | AFLAC | $235 | $26 | $261 | 1.53% |
| REGINA K SANTANGELO3 | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $198 | $37 | $235 | 1.38% |
| ZENAT SHARIFF BELKIN3 | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $168 | $37 | $205 | 1.20% |
| RON D BERKEL3 | 1600 HERITAGE LANDING STE 115 ST CHARLES, MO 63303 | AFLAC | $101 | — | $101 | 0.59% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $79 | — | $79 | 0.46% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $41 | $37 | $78 | 0.46% |
| MICHAEL J ELLIS3 | 532 GARRICK PL O FALLON, MO 63368 | AFLAC | $67 | $7 | $74 | 0.43% |
| CHARLES H LANDMARK3 | 1426 FETTERMAN DRIVE COLORADO SPRINGS, CO 80915 | AFLAC | $35 | — | $35 | 0.20% |
| JEREMY GEISLER INC3 | 1795 CLARKSON RD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $32 | — | $32 | 0.19% |
| DAVID E SCHMIDT3 | 331 SAN MARCO WAY SAINT PETERS, MO 63304 | AFLAC | $30 | — | $30 | 0.18% |
| ROSWITHA LAMBERTI3 | 4518 NW 58TH TERR KANSAS CITY, MO 64151 | AFLAC | $28 | — | $28 | 0.16% |
| FRANK IRWIN SCHELLINGERHOUT3 | 24 JOHNNIE DR SAINT CHARLES, MO 63304 | AFLAC | $18 | $8 | $26 | 0.15% |
| DAVID G FENEMOR3 | 800 MAYER DR SAINT CHARLES, MO 63301 | AFLAC | $25 | — | $25 | 0.15% |
| JON M LOUDEN3 | 22739 E PRENTICE PL AURORA, CO 80015 | AFLAC | $24 | — | $24 | 0.14% |
| JONATHON S KIRKLAND3 Filed as: JONATHON SAMUEL KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $23 | — | $23 | 0.13% |
| VICTOR M GLAZE3 | 402 PLOWMAN CT FORT COLLINS, CO 80526 | AFLAC | $22 | — | $22 | 0.13% |
| GEISLER INCORPORATED3 Filed as: GEISLER INC | 1795 CLARKSON RD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $12 | $7 | $19 | 0.11% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $19 | — | $19 | 0.11% |
| JOHN D TYLER3 | 201 W MCBEE AVE STE 301 GREENVILLE, SC 29601 | AFLAC | $19 | — | $19 | 0.11% |
| DAVID HANCOCK INC3 | 953 MEADOW HILL DR LAVON, TX 75166 | AFLAC | $18 | — | $18 | 0.11% |
| KENT HORSMAN3 | 14162 LADUE RD CHESTERFIELD, MO 63017 | AFLAC | $18 | — | $18 | 0.11% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $17 | — | $17 | 0.10% |
| ABBIE W COFFMAN3 | 31 HAWTORHN CIR CROSSVILLE, TN 38555 | AFLAC | $17 | — | $17 | 0.10% |
| CHRISTOPHER S BERKEL3 | 21482 LANDMARK RD EDMOND, OK 73012 | AFLAC | $16 | — | $16 | 0.09% |
| NATHAN L HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR STE 2 ELLISVILLE, MO 63011 | AFLAC | $7 | $7 | $14 | 0.08% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $12 | — | $12 | 0.07% |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $9 | — | $9 | 0.05% |
| JILL E MOORE3 | 2985 S ODGEN ST ENGLEWOOD, CO 80113 | AFLAC | $7 | — | $7 | 0.04% |
| STEPHEN JASPER3 Filed as: STEPHEN V JASPER | 2170 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $6 | — | $6 | 0.04% |
| SUSAN MARIE WEITKAMP3 Filed as: SUSAN M WEITKAMP | 5051 JOSHUA DR WENTZVILLE, MO 63385 | AFLAC | $6 | — | $6 | 0.04% |
| HH ASSOCIATES LLC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.02% |
| BRADLEY K HARRISON3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $3 | — | $3 | 0.02% |
| DEBORAH SITZE3 Filed as: DEBORAH M SITZE | 25 AUTUMN CT MOSCOW MILLS, MO 63362 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES M GARNER3 | 6059 S QUEBEC ST STE 100 CENTENNIAL, CO 80111 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID J KASKA3 | 1862 DENVER WEST CT 224 LAKEWOOD, CO 80401 | AFLAC | $2 | — | $2 | 0.01% |
| JONNELL P ACKLESON3 | 4720 74TH ST URBANDALE, IA 50322 | AFLAC | $2 | — | $2 | 0.01% |
| GARY GIARRATANO3 Filed as: GARY GIARRATONO | 8612 SHADY BEND RD LENEXA, KS 66227 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN P BUFFINGTON3 | 801 E 4TH ST, STE 7 GILLETTE, WY 82716 | AFLAC | $1 | — | $1 | 0.01% |
| TAMMY L JOHNSON3 | 359 ELM AVE BRIGHTON, CO 80601 | AFLAC | $1 | — | $1 | 0.01% |
| BRENDA J MCGINNIS3 | 5003 PATRIOT PARK CIR SE OWENS CROSS ROADS, AL 35763 | AFLAC | $1 | — | $1 | 0.01% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 16770 IMPERIAL VALLEY DR STE 250 HOUSTON, TX 77060 | AFLAC | $1 | — | $1 | 0.01% |
| JEANNE R BUFFINGTON3 | 801 E 4TH 7 GILLETTE, WY 82716 | AFLAC | $1 | — | $1 | 0.01% |
| BRITTANY NICHOLE SCHEER3 | 506 BROADVIEW DR SEVERANCE, CO 80550 | AFLAC | $1 | — | $1 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 50.87% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON RD STE 500 ST LOUIS, MO 63141 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $126 | — | $126 | 20.03% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 48 | $475K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 135 | $75K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6 | $629 |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6 | $629 |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 166 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.