| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS4 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $13K | $2K | $15K | 5.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $3K | $5K | 8.78% |
| HEFFERNAN INSURANCE BROKERS3 | 350 CARLBACK AVE WALNUT CREEK, CA 94596 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.33% |
| DON C SUNDAY3 | 2037 S GRAY DR LAKEWOOD, CO 80227 | AFLAC | $766 | — | $766 | 4.48% |
| SHARON K BERKEL MASTERS3 Filed as: SHARON BERKEL MASTERS | 8 WESTWOOD ESTATES DR ST PETERS, MO 63376 | AFLAC | $373 | — | $373 | 2.18% |
| REGINA K SANTANGELO3 | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $161 | — | $161 | 0.94% |
| ZENAT SHARIFF BELKIN3 | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $96 | — | $96 | 0.56% |
| MICHAEL J ELLIS3 | 532 GARRICK PL O FALLON, MO 63368 | AFLAC | $70 | — | $70 | 0.41% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $66 | — | $66 | 0.39% |
| CHARLES H LANDMARK3 | 1426 FETTERMAN DRIVE COLORADO SPRINGS, CO 80915 | AFLAC | $45 | — | $45 | 0.26% |
| DAVID E SCHMIDT3 | 331 SAN MARCO WAY SAINT PETERS, MO 63304 | AFLAC | $36 | — | $36 | 0.21% |
| JEREMY GEISLER INC3 | 1795 CLARKSON RD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $30 | — | $30 | 0.18% |
| LORI FENEMOR3 | 1922A MENARD ST ST LOUIS, MO 63104 | AFLAC | $29 | — | $29 | 0.17% |
| VICTOR M GLAZE3 | 402 PLOWMAN CT FORT COLLINS, CO 80526 | AFLAC | $28 | — | $28 | 0.16% |
| JON M LOUDEN3 | 22739 E PRENTICE PL AURORA, CO 80015 | AFLAC | $25 | — | $25 | 0.15% |
| KENT HORSMAN3 | 14162 LADUE RD CHESTERFIELD, MO 63017 | AFLAC | $22 | — | $22 | 0.13% |
| ABBIE W COFFMAN3 | 31 HAWTORHN CIR CROSSVILLE, TN 38555 | AFLAC | $22 | — | $22 | 0.13% |
| JONATHON KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $21 | — | $21 | 0.12% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $20 | — | $20 | 0.12% |
| CHRISTOPHER S BERKEL3 | 21482 LANDMARK RD EDMOND, OK 73012 | AFLAC | $19 | — | $19 | 0.11% |
| DAVID HANCOCK INC3 | 953 MEADOW HILL DR LAVON, TX 75166 | AFLAC | $17 | — | $17 | 0.10% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $17 | — | $17 | 0.10% |
| FRANK I SCHELLINGERHOUT3 Filed as: FRANK SCHELLINGERHOUT | 9 SUNNYFIELD RD SAINT PETERS, MO 63376 | AFLAC | $16 | — | $16 | 0.09% |
| JEREMY GEISLER INC3 Filed as: JEREMY GEISLER | 1795 CLARKSON RD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $16 | — | $16 | 0.09% |
| JOHN D TYLER3 | 201 W MCBEE AVE STE 301 GREENVILLE, SC 29601 | AFLAC | $15 | — | $15 | 0.09% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $14 | — | $14 | 0.08% |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $11 | — | $11 | 0.06% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $10 | — | $10 | 0.06% |
| ROSWITHA LAMBERTI3 | 4518 NW 58TH TERR KANSAS CITY, MO 64151 | AFLAC | $8 | — | $8 | 0.05% |
| STEPHEN JASPER3 Filed as: STEPHEN V JASPER | 2170 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $8 | — | $8 | 0.05% |
| SUSAN MARIE WEITKAMP3 Filed as: SUSAN M WEITKAMP | 5051 JOSHUA DR WENTZVILLE, MO 63385 | AFLAC | $8 | — | $8 | 0.05% |
| JENNIFER L FOSS3 Filed as: JENNIFER FOSS | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $8 | — | $8 | 0.05% |
| HH ASSOCIATES LLC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $5 | — | $5 | 0.03% |
| DEBORAH SITZE3 Filed as: DEBORAH M SITZE | 25 AUTUMN CT MOSCOW MILLS, MO 63362 | AFLAC | $5 | — | $5 | 0.03% |
| NATHAN L HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR STE 2 ELLISVILLE, MO 63011 | AFLAC | $4 | — | $4 | 0.02% |
| BRADLEY K HARRISON3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.02% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $3 | — | $3 | 0.02% |
| 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% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.01% |
| TYSON C FUNK3 Filed as: TYSON FUNK | 917 CROWN POINTE TERRACE CT WILDWOOD, MO 63021 | AFLAC | $1 | — | $1 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON F WENDELBERGER | 1839 YGNACIA VALLEY RD STE 393 WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN A BACON3 Filed as: JOHN BACON | 1267 LEIGHTON HOLLOW DR DARDENNE PRARIE, MO 63368 | AFLAC | $1 | — | $1 | 0.01% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 301 E PINE ST, SUITE 650 ORLANDO, FL 32801 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 19.25% |
| HEFFERNAN INSURANCE BROKERS3 | 16100 SWINGLEY RIDGE RD CHESTERFIELD, MO 63107 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $66 | — | $66 | 12.18% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON RD STE 500 SAINT LOUIS, MO 63141 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $43 | — | $43 | 7.93% |
| NATIONAL BENEFITS CONSULTANTS, INC.3 Filed as: NATIONAL BENEFITS CONSULTANTS | PO BOX 370528 DENVER, CO 80237 | UNITED HEALTH CARE INSURANCE COMPANY | — | — | $0 | — |
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 | 239 | 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) | 239 | 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 | 46 | $310K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 111 | $57K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 111 | $57K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 111 | $58K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 111 | $57K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 5 | $542 |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 126 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.