| 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 | — | $665 | $665 | 2.00% |
| IMA, INC.3 Filed as: IMA OF COLORADO INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $584 | $584 | 2.00% |
| JO ANNE ALLEN LLC3 | 6110 LAGOLONDRINA COURT WHITEWATER, CO 81527 | AFLAC | $2K | $218 | $2K | 9.58% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING ALTERNATIVES INC | P.O. BOX 4443 GRAND JUNCTION, CO 81502 | AFLAC | $1K | — | $1K | 4.47% |
| GLENDA O'HALLORAN3 | 890 WAGON WHEEL LANE, UNIT C GRAND JUNCTION, CO 81505 | AFLAC | $482 | $43 | $525 | 2.25% |
| MANUEL A MADRID3 Filed as: MANUEL MADRID | 6282 DOUGLAS CT N CHAMPLIN, CO 55316 | AFLAC | $348 | $45 | $393 | 1.69% |
| AMY M BUCHANAN3 | 1584 RIDGE RD DURANGO, CO 81303 | AFLAC | $313 | — | $313 | 1.34% |
| ASPEN KEATING3 | 4624 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $235 | $52 | $287 | 1.23% |
| DEBRA GAPP3 | 3658 G 7/10 ROAD PALISADE, CO 81526 | AFLAC | $182 | — | $182 | 0.78% |
| THERESA EARLY3 | 879 WAGON WHEEL LANE GRAND JUNCTION, CO 81505 | AFLAC | $100 | — | $100 | 0.43% |
| LARRY EARLY3 | 879 WAGON WHEEL LANE GRAND JUNCTION, CO 81505 | AFLAC | $72 | — | $72 | 0.31% |
| JUDITH J ROSEBERRY3 Filed as: JUDITH ROSEBERRY | 3439 N 164TH AVENUE GOODYEAR, AZ 85395 | AFLAC | $65 | — | $65 | 0.28% |
| ADRIAN ERIC SALAZAR3 | 109 TICKSEED AVE SAVOY, IL 61874 | AFLAC | $57 | $7 | $64 | 0.27% |
| MANNY AM LLC3 | 6282 DOUGLAS CT N CHAMPLIN, MN 55316 | AFLAC | $31 | — | $31 | 0.13% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $28 | — | $28 | 0.12% |
| CYNTHIA MYER3 | 2333 COUNTY ROAD 250 DURANGO, CO 81301 | AFLAC | $21 | — | $21 | 0.09% |
| DEANNA SWETNAM LLC3 | 735 37 1/10 ROAD PALISADE, CO 81526 | AFLAC | $17 | — | $17 | 0.07% |
| CHRISTINE MCCULLAH3 | P.O. BOX 23223 GLADE PARK, CO 81523 | AFLAC | $14 | — | $14 | 0.06% |
| DEANNA HEIDI SWETNAM3 | 230 FRONTIER ST GRAND JUNCTION, CO 81503 | AFLAC | $13 | — | $13 | 0.06% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF LLC | 22996 SW LODGEPOLE AVE TUALATIN, OR 97062 | AFLAC | $10 | — | $10 | 0.04% |
| JEFFREY B HAWKINS3 Filed as: JEFFREY HAWKINS | P.O. BOX 3619 MONTROSE, CO 81402 | AFLAC | $10 | — | $10 | 0.04% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $6 | — | $6 | 0.03% |
| ADRIAN ERIC SALAZAR3 | 1048 INDEPENDENT AVE, STE A207 GRAND JUNCTION, CO 81505 | AFLAC | $5 | — | $5 | 0.02% |
| ASPEN R KEATING3 | 596 ANNA RD IGNACIO, CO 81137 | AFLAC | $4 | — | $4 | 0.02% |
| TINA WAY3 | 15550 E COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $3 | — | $3 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $2 | — | $2 | 0.01% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $2 | — | $2 | 0.01% |
| DAWN STANDISH3 | PO BOX 816 DELTA, CO 81416 | AFLAC | $1 | — | $1 | 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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 488 | $170K |
| Vision | VISION SERVICE PLAN | 259 | $45K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 565 | $62K |
| Short-term disability | AFLAC | 35 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 565 | $29K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 565 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
No prospect flags tripped on this filing.