| 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 | — | $582 | $582 | 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 | $0 | $531 | $531 | 2.00% |
| JO ANNE ALLEN LLC3 | 6110 LAGOLONDRINA COURT WHITEWATER, CO 81527 | AFLAC | $1K | $33 | $1K | 8.02% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING ALTERNATIVES INC | PO BOX 4443 GRAND JUNCTION, CO 81502 | AFLAC | $646 | — | $646 | 3.61% |
| AMY M BUCHANAN3 | 1584 RIDGE RD DURANGO, CO 81303 | AFLAC | $247 | $9 | $256 | 1.43% |
| THE MADRID AGENCY INC3 | 4624 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $166 | — | $166 | 0.93% |
| ASPEN R LLC3 Filed as: ASPEN R MADRID | 261 MONARCH CREST TRL DURANGO, CO 81301 | AFLAC | $107 | — | $107 | 0.60% |
| DEBRA KAY GAPP3 Filed as: DEBRA K GAPP | 20302 STONE FALLS CT CYPRESS, TX 77433 | AFLAC | $81 | — | $81 | 0.45% |
| ROBERT A SLEE3 | 6110 LAGOLONDRINA CT WHITEWATER, CO 81527 | AFLAC | $45 | $8 | $53 | 0.30% |
| THERESA EARLY3 | 879 WAGON WHEEL LN GRAND JUNCTION, CO 81505 | AFLAC | $47 | — | $47 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GLENDA V OHALLORAN | 1666 SONOMA CT MONTROSE, CO 81401 | AFLAC | $42 | — | $42 | 0.23% |
| LARRY EARLY3 | 879 WAGON WHEEL LANE GRAND JUNCTION, CO 81505 | AFLAC | $39 | — | $39 | 0.22% |
| JUDITH J ROSEBERRY3 | 3439 N 164TH AVE GOODYEAR, AZ 85395 | AFLAC | $27 | — | $27 | 0.15% |
| DEANNA HEIDI SWETNAM3 | 670 35RD CLIFTON, CO 81520 | AFLAC | $26 | — | $26 | 0.15% |
| ADRIAN ERIC SALAZAR3 | 3880 NORTHAVEN TRL NEW BRAUNFELS, TX 78132 | AFLAC | $20 | — | $20 | 0.11% |
| KEVIN D WAKHAM3 | 168 S QUARTZ ST GILBERT, AZ 85296 | AFLAC | $19 | — | $19 | 0.11% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $13 | — | $13 | 0.07% |
| DENISE JANE FORCONI3 | 5065 E MAZATZAL DR CAVE CREEK, AZ 85331 | AFLAC | $10 | — | $10 | 0.06% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF LLC | 56 MARATHON KEY WAY PONTE VEDRA, FL 32081 | AFLAC | $9 | — | $9 | 0.05% |
| CYNTHIA MYER3 | 1584 RIDGE RD DURANGO, CO 81303 | AFLAC | $8 | — | $8 | 0.04% |
| CHRISTINE MCCULLAH3 Filed as: CHRISTINE A MCCULLAH | PO BOX 23223 GLADE PARK, CO 81523 | AFLAC | $7 | — | $7 | 0.04% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $5 | — | $5 | 0.03% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $4 | — | $4 | 0.02% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $2 | — | $2 | 0.01% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY K HAWKINS3 | 2300 MAJOR LN MONTROSE, CO 81401 | AFLAC | $1 | — | $1 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | 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 | 549 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 388 | $142K |
| Vision | VISION SERVICE PLAN | 197 | $36K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $27K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 526 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.