| 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 | $14K | — | $14K | 5.01% |
| UMR, INC.5 Filed as: UNITED HEALTHCARE SERVICES INC | — | ALL SAVERS INSURANCE COMPANY | — | $9K | $9K | 15.35% |
| LINDA E HUBER3 | 16100 SWINGLEY RDG RD STE 250 CHESTERFIELD, MO 63017 | ALL SAVERS INSURANCE COMPANY | $8K | — | $8K | 13.91% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 11.74% |
| DON C SUNDAY3 | 2037 S GRAY DR LAKEWOOD, CO 80227 | AFLAC | $966 | — | $966 | 5.53% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $137 | — | $137 | 0.78% |
| JENNIFER L FOSS3 Filed as: JENNIFER FOSS | 3177 W INDIAN SUMMER LN CASTLE ROCK, CO 80109 | AFLAC | $119 | — | $119 | 0.68% |
| RON D BERKEL3 | 1600 HERITAGE LANDING STE 115 ST CHARLES, MO 63303 | AFLAC | $59 | — | $59 | 0.34% |
| SHARON K BERKEL MASTERS3 | 8 WESTWOOD ESTATES DR ST PETERS, MO 63376 | AFLAC | $49 | — | $49 | 0.28% |
| ZENAT SHARIFF BELKIN3 | 14204 W EVANS CIR LAKEWOOD, CO 80228 | AFLAC | $40 | — | $40 | 0.23% |
| GREGORY G WAY3 | 1828 SHADOW CREEK DR CASTLE ROCK, CO 80104 | AFLAC | $40 | — | $40 | 0.23% |
| VICTOR M GLAZE3 Filed as: VICTOR GLAZE | 402 PLOWMAN CT FORT COLLINS, CO 80526 | AFLAC | $26 | — | $26 | 0.15% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $25 | — | $25 | 0.14% |
| JOHN MORGAN WEEKS3 Filed as: JOHN MORGAN WEEKS. | 1128 GARDNER RD UNIT A AUSTIN, TX 78721 | AFLAC | $19 | — | $19 | 0.11% |
| DAVID E SCHMIDT3 Filed as: DAVID SCHMIDT | 331 SAN MARCO WAY SAINT PETERS, MO 63304 | AFLAC | $14 | — | $14 | 0.08% |
| JOHN MORGAN WEEKS3 | 1900 BARTON SPRINGS RD AUSTIN, TX 78704 | AFLAC | $12 | — | $12 | 0.07% |
| DAVID HANCOCK INC3 Filed as: DAVID HANCOCK | PO BOX 423 LAVON, TX 75166 | AFLAC | $11 | — | $11 | 0.06% |
| JONATHON S KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $10 | — | $10 | 0.06% |
| DAVID G FENEMOR3 | 1922A MENARD ST SAINT LOUIS, MO 63104 | AFLAC | $10 | — | $10 | 0.06% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $9 | — | $9 | 0.05% |
| JOHN THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $9 | — | $9 | 0.05% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTORHN CIR CROSSVILLE, TN 38555 | AFLAC | $9 | — | $9 | 0.05% |
| KENT HORSMAN3 | 16 STIFEL WOODS DR CHESTERFIELD, MO 63017 | AFLAC | $7 | — | $7 | 0.04% |
| STEPHEN JASPER3 | 2170 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $7 | — | $7 | 0.04% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $7 | — | $7 | 0.04% |
| JEREMY GEISLER INC3 | 1795 CLARKSON RD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $6 | — | $6 | 0.03% |
| JON M LOUDEN3 Filed as: JON LOUDEN | 22739 E PRENTICE PL AURORA, CO 80015 | AFLAC | $6 | — | $6 | 0.03% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $5 | — | $5 | 0.03% |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $5 | — | $5 | 0.03% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $4 | — | $4 | 0.02% |
| DEBORAH SITZE3 | 25 AUTUMN CT MOSCOW MILLS, MO 63362 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL J ELLIS3 | 532 GARRICK PL O FALLON, MO 63368 | AFLAC | $3 | — | $3 | 0.02% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $3 | — | $3 | 0.02% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTE FE DR WALNUT CREEK, CA 94598 | AFLAC | $3 | — | $3 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $3 | — | $3 | 0.02% |
| 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% |
| NATHAN L HARRISON3 | 5301 E VISTA RICA ST PARADISE VALLEY, AZ 85253 | AFLAC | $1 | — | $1 | 0.01% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | 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% |
| JOHN A BACON3 Filed as: JOHN BACON | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $1 | — | $1 | 0.01% |
| SARA BRIERY3 | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN D NEUNER3 | 7651 E HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $1 | — | $1 | 0.01% |
| ROBIN M CALLAWAY | 10201 W MARKHAM ST STE 203 LITTLE ROCK, AR 72205 | AFLAC | — | — | $0 | 0.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $122 | — | $122 | 19.93% |
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 | 17 | 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) | 17 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 44 | $348K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $23K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $23K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $41K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $23K |
| Long-term disability | AFLAC | 15 | $17K |
| Other | AFLAC | 15 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55 | — |
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.