| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COOK & ASSOCIATES INS BROKERS3 | 600 N GRANT ST STE 710 DENVER, CO 80203 | AETNA LIFE INSURANCE CO. | $40K | — | $40K | 4.01% |
| COOK & ASSOCIATES INSURANCE BROKERS3 | 600 GRANT ST STE 720 DENVER, CO 80203 | DELTA DENTAL OF COLORADO | $6K | — | $6K | 7.35% |
| BRUCE A BALLENGER3 | PO BOX 62385 COLORADO SPRINGS, CO 80962 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.93% |
| REGINA K SANTANGELO3 | 9034 E EASTER STE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.63% |
| JENNIFER L FOSS3 | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | — | $320 | 0.76% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | — | $286 | 0.68% |
| JENNIFER L FREEMAN3 | 4672 CHARING CT CASTLE ROCK, CO 80109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | — | $188 | 0.45% |
| JONATHON KIRKLAND3 Filed as: JONATHON (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 0.35% |
| JOSE DE LOS SANTOS III3 | 155 INVERENS S DRIVE WEST STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.10% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNES S DRIVE WEST STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.08% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 S QUATAR ST AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.05% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| COOK & ASSOCIATES INS BROKERS3 | 600 N GRANT ST STE 710 DENVER, CO 80203 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 9.74% |
| COOK & ASSOCIATES INS BROKERS3 | 600 N GRANT ST STE 710 DENVER, CO 80203 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 14.70% |
| MELISSA NAMECHE3 | PO BOX 260850 LAKEWOOD, CO 80226 | AFLAC | $784 | — | $784 | 5.38% |
| BRUCE BALLENGER3 | PO BOX 62385 COLORADO SPRINGS, CO 80962 | AFLAC | $526 | — | $526 | 3.61% |
| KATHY WIEDEMANN3 Filed as: KATHY WIEDMANN | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $185 | — | $185 | 1.27% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 9034 E EASTER PL STE 202 CENTENNIAL, CA 80112 | AFLAC | $115 | — | $115 | 0.79% |
| DAVID HANCOCK INC3 | PO BOX 423 LAVON, TX 75166 | AFLAC | $90 | — | $90 | 0.62% |
| JOHN THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $49 | — | $49 | 0.34% |
| JONATHON KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $34 | — | $34 | 0.23% |
| SUSAN C BANKS3 Filed as: SUSAN BANKS | 604 WILLOWBROOK RD SILVERTHORNE, CO 80498 | AFLAC | $18 | — | $18 | 0.12% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $16 | — | $16 | 0.11% |
| TANYA L MARTINSON3 Filed as: TANYA MARTINSON | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $9 | — | $9 | 0.06% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $8 | — | $8 | 0.05% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $6 | — | $6 | 0.04% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $5 | — | $5 | 0.03% |
| PATTI ELMORE3 | PO BOX 215 ANANOLA, HI 96703 | AFLAC | $2 | — | $2 | 0.01% |
| SARA BRIERY3 | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $1 | — | $1 | 0.01% |
| COOK & ASSOCIATES INS BROKERS3 | 600 N GRANT ST STE 710 DENVER, CO 80203 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 14.81% |
| COOK & ASSOCIATES INS BROKERS3 Filed as: COOK & ASSOCIATES INC | 600 GRANT ST STE 720 DENVER, CO 80203 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $1K | — | $1K | 10.09% |
| COOK & ASSOCIATES INS BROKERS3 | 600 N GRANT ST STE 710 DENVER, CO 80203 | AETNA LIFE INSURANCE CO. | $220 | — | $220 | 15.36% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 160 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 198 | $124K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 198 | $13K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 123 | $50K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 122 | $29K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 122 | $16K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 152 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.