| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DON C SUNDAY | 2037 S GRAY DR LAKEWOOD, CO 80227 | AFLAC | $544 | $0 | $544 | 6.13% |
| REGINA K SANTANGELO | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $74 | — | $74 | 0.83% |
| JENNIFER L FOSS | 3177 W INDIAN SUMMER LN CASTLE ROCK, CO 80109 | AFLAC | $62 | — | $62 | 0.70% |
| ZENAT SHARIFF BELKIN | 14204 W EVANS CIR LAKEWOOD, CO 80228 | AFLAC | $40 | — | $40 | 0.45% |
| RON D BERKEL | 1600 HERITAGE LANDING, STE 115 ST. CHARLES, MO 63303 | AFLAC | $33 | — | $33 | 0.37% |
| SHARON K BERKEL MASTERS | 8 WESTWOOD ESTATES DR SAINT PETERS, MO 63376 | AFLAC | $27 | — | $27 | 0.30% |
| VICTOR M GLAZE | 402 PLOWMAN CT FORT COLLINS, CO 80526 | AFLAC | $26 | — | $26 | 0.29% |
| DAVID E SCHMIDT | 331 SAN MARCO WAY SAINT PETERS, MO 63304 | AFLAC | $15 | — | $15 | 0.17% |
| GREGORY G WAY | 1828 SHADOW CREEK DR CASTLE ROCK, CO 80104 | AFLAC | $14 | — | $14 | 0.16% |
| DAVID HANCOCK INC Filed as: DAVID G HANCOCK | PO BOX 423 LAVON, TX 75166 | AFLAC | $10 | — | $10 | 0.11% |
| DAYTON LLC | 5445 DTC PKWY, STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $9 | — | $9 | 0.10% |
| KENT HORSMAN | 1600 STIFEL WOODS DR CHESTERFIELD, MO 63017 | AFLAC | $8 | — | $8 | 0.09% |
| JOHN P THOMPSON | 6395 S KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $7 | — | $7 | 0.08% |
| STEPHEN JASPER Filed as: STEPHEN V JASPER | 2170 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $6 | — | $6 | 0.07% |
| JOSE DE LOS SANTOS III | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $6 | — | $6 | 0.07% |
| DAVID V PAYNE | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $5 | — | $5 | 0.06% |
| ABBIE W COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $5 | — | $5 | 0.06% |
| JOHN MORGAN WEEKS | 7107 WOODROW AVE AUSTIN, TX 78757 | AFLAC | $5 | — | $5 | 0.06% |
| KIEFER GROUP INSURANCE AGCY LLC | 155 INVERNESS DR W, STE 300 ENGLEWOOD, CO 80112 | AFLAC | $4 | — | $4 | 0.05% |
| DEBORAH SITZE Filed as: DEBORAH M SITZE | 25 AUTUMN CT MOSCOW MILLS, MO 63362 | AFLAC | $3 | — | $3 | 0.03% |
| RONALD E KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.03% |
| TINA WAY | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $3 | — | $3 | 0.03% |
| JONATHAN SAMUEL KIRKLAND | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $3 | — | $3 | 0.03% |
| ALLISON FARRIS WENDELBERGER | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $3 | — | $3 | 0.03% |
| GARY GIARRATANO | 13309 W 73RD ST SHAWNEE, KS 66216 | AFLAC | $2 | — | $2 | 0.02% |
| JONNELL P ACKELSON | 31250 N AVE ADEL, IA 50003 | AFLAC | $2 | — | $2 | 0.02% |
| BRADLEY K HARRISON | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $1 | — | $1 | 0.01% |
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 | 8 | 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) | 8 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 8 | $9K |
| Long-term disability | AFLAC | 8 | $9K |
| Other | AFLAC | 8 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.