| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREELEY, CO 80634 | AETNA LIFE INSURANCE COMPANY | $45K | $0 | $45K | 2.96% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | 230 NORTH 54TH AVENUE GREELEY, CO 80634 | AETNA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $12K | $2K | $13K | 7.15% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | 4673 WEST 20TH STREET, UNIT E GREELEY, CO 80634 | AFLAC | $9K | $0 | $9K | 4.67% |
| KIMBERLY SCOTT3 | 6465 CLEARWATER DRIVE LOVELAND, CO 80538 | AFLAC | $3K | $302 | $3K | 1.71% |
| LAURA M MARCOTTE3 Filed as: LAURA PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80538 | AFLAC | $2K | $296 | $2K | 1.25% |
| MJ INSURANCE3 Filed as: MYWHY LLC AND VARIOUS AGENTS | PO BOX 276 WHITEWATER, CO 81527 | AFLAC | $1K | $29 | $1K | 0.67% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $919 | $44 | $963 | 0.52% |
| AMY E GRIFFIN3 Filed as: AMY GRIFFIN | 1905 STERLING LANE FORT COLLINS, CO 80521 | AFLAC | $909 | $8 | $917 | 0.49% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | 4673 WEST 20TH STREET, SUITE E GREELEY, CO 80634 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 6.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 4.06% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREELEY, CO 80634 | STANDARD INSURANCE COMPANY | $407 | $0 | $407 | 0.40% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | 230 NORTH 54TH AVENUE GREELEY, CO 80634 | AMFIRST | $9K | $0 | $9K | 12.37% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI-MILLER BENEFITS, LLC | 8205 WEST 20TH STREET GREELEY, CO 80634 | AMFIRST | $4K | $0 | $4K | 5.13% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $3K | $0 | $3K | 5.00% |
| NICK HUMBLE3 | UNKNOWN GREELEY, CO 80631 | AMFIRST | $3K | $0 | $3K | 4.00% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREELEY, CO 80634 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.94% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 294 | $1.6M |
| Dental | AFLAC | 95 | $187K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 294 | $1.7M |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 238 | $164K |
| Short-term disability | AFLAC | 95 | $187K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 238 | $164K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 294 | $1.6M |
| Other(3 contracts, 2 carriers) | AFLAC | 238 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.