| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA OF COLORADO INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $700 | $700 | 2.14% |
| IMA, INC.3 Filed as: IMA OF COLORADO INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $531 | $531 | 1.96% |
| JO ANNE ALLEN LLC3 | 6110 LAGOLONDRINA COURT WHITEWATER, CO 81527 | AFLAC | $2K | $294 | $3K | 10.39% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING ALTERNATIVES INC | P.O. BOX 4443 GRAND JUNCTION, CO 81502 | AFLAC | $1K | — | $1K | 4.35% |
| MANNY AM LLC3 | 596 ANNA ROAD IGNACIO, CO 81137 | AFLAC | $543 | — | $543 | 2.11% |
| ASPEN KEATING3 | 596 ANNA ROAD IGNACIO, CO 81137 | AFLAC | $425 | — | $425 | 1.66% |
| MANNY AM LLC3 | 1048 INDEPENDENT AVENUE, SUITE A207 GRAND JUNCTION, CO 81505 | AFLAC | $238 | $59 | $297 | 1.16% |
| GLENDA O'HALLORAN3 | 890 WAGON WHEEL LANE, UNIT C GRAND JUNCTION, CO 81505 | AFLAC | $292 | — | $292 | 1.14% |
| DEBRA GAPP3 | 3658 G 7 ROAD PALISADE, CO 81526 | AFLAC | $277 | — | $277 | 1.08% |
| ASPEN R LLC3 | 752 MAIN AVENUE, SUITE 201 DURANGO, CO 81301 | AFLAC | $201 | $59 | $260 | 1.01% |
| THERESA EARLY3 | 879 WAGON WHEEL LANE GRAND JUNCTION, CO 81505 | AFLAC | $173 | — | $173 | 0.67% |
| MANUEL A MADRID3 Filed as: MANUEL MADRID | 1048 INDEPENDENT AVENUE, SUITE A207 GRAND JUNCTION, CO 81505 | AFLAC | $153 | — | $153 | 0.60% |
| LARRY EARLY3 | 879 WAGON WHEEL LANE GRAND JUNCTION, CO 81505 | AFLAC | $134 | — | $134 | 0.52% |
| JUDITH J ROSEBERRY3 Filed as: JUDITH ROSEBERRY | 3439 N 164TH AVENUE GOODYEAR, AZ 85395 | AFLAC | $115 | — | $115 | 0.45% |
| ADRIAN ERIC SALAZAR3 | 1048 INDEPENDENT AVENUE, SUITE A207 GRAND JUNCTION, CO 81505 | AFLAC | $106 | — | $106 | 0.41% |
| DEANNA SWETNAM LLC3 | 735 37 1/10 ROAD PALISADE, CO 81526 | AFLAC | $43 | — | $43 | 0.17% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $41 | — | $41 | 0.16% |
| CYNTHIA MYER3 | 2333 COUNTY ROAD 250 DURANGO, CO 81301 | AFLAC | $25 | — | $25 | 0.10% |
| CHRISTINE MCCULLAH3 | P.O. BOX 23223 GLADE PARK, CO 81523 | AFLAC | $16 | — | $16 | 0.06% |
| CARMEN IRIZARRY3 | 1851 LINDEN AVENUE, APARTMENT 2 GRAND JUNCTION, CO 81503 | AFLAC | $14 | — | $14 | 0.05% |
| DEBRA GAPP3 Filed as: DEBRA GAPP LLC | 20302 STONE FALLS COURT CYPRESS, TX 77433 | AFLAC | $13 | — | $13 | 0.05% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF LLC | 13580 SW CRESTLINE COURT TIGARD, OR 97224 | AFLAC | $13 | — | $13 | 0.05% |
| JEFFREY B HAWKINS3 Filed as: JEFFREY HAWKINS | P.O. BOX 3619 MONTROSE, CO 81402 | AFLAC | $11 | — | $11 | 0.04% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $11 | — | $11 | 0.04% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $5 | — | $5 | 0.02% |
| TINA WAY3 | 15550 E COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $3 | — | $3 | 0.01% |
| KIEFER GROUP INSURANCE AGENCY LLC3 Filed as: KIEFER GROUP INSURANCE AGENECY LLC | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $3 | — | $3 | 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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 484 | $199K |
| Vision | VISION SERVICE PLAN | 237 | $45K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 590 | $60K |
| Short-term disability | AFLAC | 41 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 590 | $27K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 590 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.