| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $18K | — | $18K | 4.94% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.35% |
| HEFFERNAN INSURANCE BROKERS3 | 16100 SWINGLEY RIDGE RD SUITE 250 CHESTERFIELD, MO 63017 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 9.25% |
| HEFFERNAN INSURANCE BROKERS3 | 16100 SWINGLEY RIDGE RD SUITE 250 CHESTERFIELD, MO 63107 | COMPANION LIFE INSURANCE COMPANY | $376 | — | $376 | 0.75% |
| DON C SUNDAY3 | 2037 S GRAY DR LAKEWOOD, CO 80227 | AFLAC | $4K | $261 | $5K | 11.99% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $502 | $46 | $548 | 1.40% |
| JENNIFER L FOSS3 Filed as: JENNIFER FOSS | 3177 W INDIAN SUMMER LN CASTLE ROCK, CO 80109 | AFLAC | $418 | $13 | $431 | 1.10% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT GROUP | 1001 S MONACO PKWY STE 310 DENVER, CO 80224 | AFLAC | $271 | — | $271 | 0.69% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $191 | — | $191 | 0.49% |
| SHARON K BERKEL MASTERS3 | 8 WESTWOOD ESTATES DR ST PETERS, MO 63376 | AFLAC | $128 | — | $128 | 0.33% |
| RON D BERKEL3 | 1600 HERITAGE LANDING STE 115 ST CHARLES, MO 63303 | AFLAC | $69 | — | $69 | 0.18% |
| JOHN MORGAN WEEKS3 | 1900 BARTON SPRINGS RD AUSTIN, TX 78704 | AFLAC | $67 | — | $67 | 0.17% |
| ANDREA F RENDON3 | 15734 WALNUT TRAIL DR SAN ANTONIO, TX 78247 | AFLAC | $51 | — | $51 | 0.13% |
| RONALD J ZULLO3 | 6700 TOWERING RIDGE WAY APT 144 CINCINNATI, OH 45247 | AFLAC | $45 | — | $45 | 0.11% |
| ZENAT SHARIFF BELKIN3 | 14204 W EVANS CIR LAKEWOOD, CO 80228 | AFLAC | $41 | — | $41 | 0.10% |
| INTEGRITY INSURANCE AGENCY INC3 Filed as: INTEGRITY INSURANCE AGENCY | 2634 KERRYBROOK CT SAN ANTONIO, TX 78230 | AFLAC | $34 | — | $34 | 0.09% |
| DAVID E SCHMIDT3 Filed as: DAVID SCHMIDT | 331 SAN MARCO WAY SAINT PETERS, MO 63304 | AFLAC | $27 | — | $27 | 0.07% |
| VICTOR M GLAZE3 Filed as: VICTOR GLAZE | 402 PLOWMAN CT FORT COLLINS, CO 80526 | AFLAC | $26 | — | $26 | 0.07% |
| DAVID G FENEMOR3 | 1922A MENARD ST SAINT LOUIS, MO 63104 | AFLAC | $24 | — | $24 | 0.06% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NE LOOP 410 STE 408 SAN ANTONIO, TX 78216 | AFLAC | $22 | — | $22 | 0.06% |
| BRENDAN NIEMANN3 | 8873 ZEILER AVE ARLETE, CA 91331 | AFLAC | $19 | — | $19 | 0.05% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $17 | — | $17 | 0.04% |
| JONATHON S KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $17 | — | $17 | 0.04% |
| KENT HORSMAN3 | 14162 LADUE RD CHESTERFIELD, MO 63017 | AFLAC | $17 | — | $17 | 0.04% |
| JEREMY GEISLER INC3 | 1795 CLARKSON RD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $14 | — | $14 | 0.04% |
| JON M LOUDEN3 Filed as: JON LOUDEN | 22739 E PRENTICE PL AURORA, CO 80015 | AFLAC | $13 | — | $13 | 0.03% |
| JOHN THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $12 | — | $12 | 0.03% |
| MICHAEL J ELLIS3 | 532 GARRICK PL O FALLON, MO 63368 | AFLAC | $11 | — | $11 | 0.03% |
| DAVID HANCOCK INC3 | PO BOX 423 LAVON, TX 75166 | AFLAC | $11 | — | $11 | 0.03% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTORHN CIR CROSSVILLE, TN 38555 | AFLAC | $11 | — | $11 | 0.03% |
| CHRISTOPHER BERKEL3 | 10409 CHITWOOD FARMS JONES, OK 73049 | AFLAC | $9 | — | $9 | 0.02% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $9 | — | $9 | 0.02% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $8 | — | $8 | 0.02% |
| CHARLES H LANDMARK3 | 1426 FETTERMAN DRIVE COLORADO SPRINGS, CO 80915 | AFLAC | $7 | — | $7 | 0.02% |
| STEPHEN JASPER3 | 2170 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $7 | — | $7 | 0.02% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $6 | — | $6 | 0.02% |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN S THOMPSON3 | 675 FOX HILL ESTATES DR MANCHESTER, MO 63021 | AFLAC | $5 | — | $5 | 0.01% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $4 | — | $4 | 0.01% |
| DEBORAH SITZE3 | 25 AUTUMN CT MOSCOW MILLS, MO 63362 | AFLAC | $4 | — | $4 | 0.01% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $4 | — | $4 | 0.01% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTE FE DR WALNUT CREEK, CA 94598 | AFLAC | $3 | — | $3 | 0.01% |
| WESTERMAYER AND ASSOCIATES LLC3 | 5431 MONTICELLO AVE DALLAS, TX 75206 | AFLAC | $3 | — | $3 | 0.01% |
| CARLES ANTONELL GRIERA3 | 4926 MISSION AVE UNIT 2311 DALLAS, TX 75206 | AFLAC | $3 | — | $3 | 0.01% |
| BRENDAN N DUSHA3 | 4155 SHENANDOAH AVE ST LOUIS, MO 63110 | AFLAC | $3 | — | $3 | 0.01% |
| NATHAN HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR STE 2 ELLISVILLE, MO 63011 | AFLAC | $2 | — | $2 | 0.01% |
| JONNELL P ACKELSON3 Filed as: JONNELL ACKLESON | 31250 N AVE ADEL, IA 50003 | AFLAC | $2 | — | $2 | 0.01% |
| GARY GIARRATANO3 Filed as: GARY GIARRATONO | 13309 W 73RD ST SHAWNEE, KS 66216 | AFLAC | $2 | — | $2 | 0.01% |
| TYSON C FUNK3 Filed as: TYSON FUNK | 917 CROWN POINTE TERRACE CT WILDWOOD, MO 63021 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN A BACON3 Filed as: JOHN BACON | 11630 W 158TH TER OVERLAND PARK, KS 66221 | AFLAC | $2 | — | $2 | 0.01% |
| MARY HANNIG3 | 725 STRAFFORD RIDGE DR BALLWIN, MO 63021 | AFLAC | $2 | — | $2 | 0.01% |
| HH ASSOCIATES LLC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $1 | — | $1 | 0.00% |
| THE TORRES GROUP LLC3 Filed as: TORRES GROUP LLC | 1750 FARMINGTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.00% |
| SARA BRIERY3 | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $1 | — | $1 | 0.00% |
| HEFFERNAN INSURANCE BROKERS3 | 350 CARLBACK AVE WALNUT CREEK, CA 94596 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.64% |
| EDWARD DALE MERACLE3 Filed as: EDWARD D MERACLE | 1716 HIDDEN CREEK CT SAINT LOUIS, MO 63131 | GUARDIAN LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 12.49% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $117 | — | $117 | 19.97% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 54 | $573K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 84 | $45K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 84 | $45K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 84 | $46K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 84 | $45K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 3 | $586 |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 3 | $586 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.