| 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 COMPANY | $66K | $0 | $66K | 5.06% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $21K | $3K | $24K | 11.13% |
| KRISTINE D RANKIN3 Filed as: KRISTINE D. RANKIN | 4673 WEST 20TH STREET, SUITE E GREELEY, CO 80634 | AFLAC | $14K | $176 | $14K | 6.49% |
| KIMBERLY SCOTT3 | 6465 CLEARWATER DRIVE LOVELAND, CO 80538 | AFLAC | $8K | $598 | $9K | 4.00% |
| LAURA M MARCOTTE3 Filed as: LAURA M. PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, OH 80534 | AFLAC | $6K | $598 | $6K | 2.91% |
| MYWHY LLC3 Filed as: MYWHY, LLC | PO BOX 276 WHITEWATER, CO 81527 | AFLAC | $688 | $0 | $688 | 0.32% |
| MJ INSURANCE3 Filed as: STACEY CAMPBELL AND VARIOUS AGENTS | 1617 14TH AVENUE GREELEY, CO 80631 | AFLAC | $554 | $0 | $554 | 0.26% |
| ASHLEY LYNN DUDLEY3 | 2933 NEW CASTLE DRIVE LOVELAND, CO 80538 | AFLAC | $170 | $0 | $170 | 0.08% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | 230 NORTH 54TH AVENUE GREELEY, CO 80634 | AMFIRST | $21K | $0 | $21K | 15.00% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $7K | $0 | $7K | 5.00% |
| NICK HUMBLE3 | UNKNOWN GREELEY, CO 80631 | AMFIRST | $6K | $0 | $6K | 4.00% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE RANKIN | 230 NORTH 54TH AVENUE GREELEY, CO 80634 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 7.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 6200 CANOGA AVENUE, SUITE 300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 279 | $1.4M |
| Dental | AFLAC | 126 | $217K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 279 | $1.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 207 | $91K |
| Short-term disability | AFLAC | 126 | $217K |
| Long-term disability | STANDARD INSURANCE COMPANY | 207 | $91K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 279 | $1.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 207 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.