| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | 230 NORTH 54TH AVENUE GREELEY, CO 80634 | AETNA LIFE INSURANCE CO. | $50K | — | $50K | 4.87% |
| DANIEL L FRENCH3 | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $23K | $575 | $24K | 13.27% |
| KRISTINE D RANKIN3 | 4673 WEST 20TH STREET UNIT E GREELEY, CO 80634 | AFLAC | $15K | — | $15K | 8.36% |
| KIMBERLY SCOTT3 | 1908 MESA GRANDE LOOP NORTHEAST RIO RANCHO, NM 87144 | AFLAC | $8K | $332 | $8K | 4.70% |
| LAURA M MARCOTTE3 Filed as: LAURA PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $4K | $558 | $4K | 2.38% |
| LAURA M MARCOTTE3 Filed as: LAURA M PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $2K | $203 | $2K | 1.38% |
| MYWHY LLC3 | PO BOX 276 WHITEWATER, CO 81527 | AFLAC | $749 | $6 | $755 | 0.42% |
| STACEY THOMAS CAMPBELL3 | 1617 14TH AVENUE GREELEY, CO 80631 | AFLAC | $139 | — | $139 | 0.08% |
| BONNIE FRENCH3 | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $84 | — | $84 | 0.05% |
| AMY E GRIFFIN3 | 1905 STERLING LANE FORT COLLINS, CO 80521 | AFLAC | $33 | $10 | $43 | 0.02% |
| ROBERT L OLMSTEAD3 | 12937 SOUTH 184TH AVENUE GOODYEAR, AZ 85338 | AFLAC | $36 | — | $36 | 0.02% |
| JEFFERY A WEBER3 | 7318 WEST 21ST STREET ROAD GREELEY, CO 80634 | AFLAC | $32 | — | $32 | 0.02% |
| ADRIENNE H HEROM3 | 1912 86TH AVENUE GREELEY, CO 80634 | AFLAC | $23 | — | $23 | 0.01% |
| DAVID O ANSELMI3 | 4000 SUNSTONE DRIVE FORT COLLINS, CO 80525 | AFLAC | $19 | — | $19 | 0.01% |
| JENIFFER LOPEZ ESPINAL3 | 612 63RD AVENUE GREELEY, CO 80634 | AFLAC | $19 | — | $19 | 0.01% |
| LIZBETH DOMINGUEZ3 | 4038 SOUTH 183RD DRIVE GOODYEAR, AZ 85338 | AFLAC | $15 | — | $15 | 0.01% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CREST ALPHARETTA, GA 30004 | AFLAC | $14 | — | $14 | 0.01% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARY RIGGS | 115 BAGGINS DRIVE APARTMENT 204 FORT COLLINS, CO 80525 | AFLAC | $5 | $2 | $7 | 0.00% |
| JOSE DE LOS SANTOS III3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $3 | — | $3 | 0.00% |
| TINA WAY3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $3 | — | $3 | 0.00% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | — | AMFIRST | $21K | — | $21K | 15.00% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $7K | — | $7K | 5.00% |
| NICK HUMBLE3 | — | AMFIRST | $6K | — | $6K | 4.00% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | 230 NORTH 54TH AVENUE GREELEY, CO 80634 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | 230 NORTH 54TH AVENUE GREELEY, CO 80634 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | 230 NORTH 54TH AVENUE GREELEY, CO 80634 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 9.58% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 234 | $1.2M |
| Dental | AFLAC | 133 | $178K |
| Vision(2 contracts, 2 carriers) | AFLAC | 299 | $202K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 168 | $208K |
| Short-term disability | AFLAC | 133 | $178K |
| Long-term disability | STANDARD INSURANCE COMPANY | 168 | $41K |
| Other(2 contracts, 2 carriers) | AFLAC | 168 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.