| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DON C SUNDAY | 2037 S GRAY DR LAKEWOOD, CO 80227 | AFLAC | $647 | $0 | $647 | 7.66% |
| REGINA K SANTANGELO | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $82 | $0 | $82 | 0.97% |
| JENNIFER L FOSS | 3177 W INDIAN SUMMER LN CASTLE ROCK, CO 80109 | AFLAC | $58 | $0 | $58 | 0.69% |
| GREGORY G WAY | 1828 SHADOW CREEK DR CASTLE ROCK, CO 80104 | AFLAC | $42 | $0 | $42 | 0.50% |
| ZENAT SHARIFF BELKIN | 14204 W EVANS CIR LAKEWOOD, CO 80228 | AFLAC | $40 | $0 | $40 | 0.47% |
| VICTOR M GLAZE | 402 PLOWMAN CT FORT COLLINS, CO 80526 | AFLAC | $26 | $0 | $26 | 0.31% |
| DAYTON LLC | 5445 DTC PKWY, STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $26 | $0 | $26 | 0.31% |
| DAVID HANCOCK INC Filed as: DAVID G HANCOCK | PO BOX 423 LAVON, TX 75166 | AFLAC | $9 | $0 | $9 | 0.11% |
| JOSE DE LOS SANTOS III | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $7 | $0 | $7 | 0.08% |
| DAVID V PAYNE | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $5 | $0 | $5 | 0.06% |
| JONATHAN SAMUEL KIRKLAND | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $4 | $0 | $4 | 0.05% |
| ALLISON FARRIS WENDELBERGER | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $4 | $0 | $4 | 0.05% |
| JOHN P THOMPSON | 6395 S KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $4 | $0 | $4 | 0.05% |
| KEIFER GROUP INSURANCE AGCY LLC Filed as: KEIFER GROUP INSURANCE AGENCY, LLC | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $4 | $0 | $4 | 0.05% |
| TINA WAY | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $3 | $0 | $3 | 0.04% |
| JOHN P THOMPSON | 6395 S KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $0 | $0 | $0 | 0.00% |
| TANYA L MARTINSON | 6395 S KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 7 | 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) | 7 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 7 | $8K |
| Long-term disability | AFLAC | 7 | $8K |
| Other | AFLAC | 7 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.