| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIANA SWINDERMAN3 | 1170 HARDING AVENUE CANON CITY, CO 81212 | AFLAC | $7K | $297 | $7K | 6.08% |
| REBECCA J SNEDDON3 Filed as: REBECCA SNEDDON | 315 YUCCA ST PUEBLO, CO 81005 | AFLAC | $6K | $257 | $6K | 5.26% |
| FRED H STREIFF3 Filed as: FRED STREIFF | 503 N MAIN ST STE 546 PUEBLO, CO 81003 | AFLAC | $3K | $111 | $3K | 2.84% |
| DORA PARSONS3 | 1858 W COSTILLA DRIVE PUEBLO, CO 81007 | AFLAC | $1K | — | $1K | 1.15% |
| CLINT WEIGHT3 | 3204 NORTH ACADEMY BLVD SUITE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $1K | $22 | $1K | 1.07% |
| THOMAS PITZENBERGER3 | 1200 NW SOUTH OUTER RD STE 116 BLUE SPRINGS, MO 64015 | AFLAC | $994 | $89 | $1K | 0.92% |
| JONATHAN KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $338 | — | $338 | 0.29% |
| BILLY WAYNE OCONNOR3 Filed as: BILLY OCONNOR | 1309 N PRINCE EDWARD IS OLATHE, KS 66061 | AFLAC | $304 | — | $304 | 0.26% |
| RONALD A MONSON3 Filed as: RONALD MONSON | 104 SAN CARLOS RD CONDO G PUEBLO, CO 81005 | AFLAC | $191 | — | $191 | 0.16% |
| DANIEL E YOUNG3 Filed as: DANIEL YOUNG | 2442 VALLEY PARK DR LARKSPUR, CO 80118 | AFLAC | $190 | — | $190 | 0.16% |
| THE CLINE AGENCY3 | 712 PLACHY DRIVE ALAMOSA, CO 81101 | AFLAC | $164 | — | $164 | 0.14% |
| KIM JORDAN3 | P.O. BOX 2233 DURANGO, CO 81302 | AFLAC | $107 | — | $107 | 0.09% |
| JOHN THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $88 | — | $88 | 0.07% |
| KIEFER GROUP INSURANCE AGCY LLC | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $83 | — | $83 | 0.07% |
| MATHEW P GAHM3 Filed as: MATHEW GAHM | 6754 SILVERWIND CIRCLE COLORADO SPRINGS, CO 80923 | AFLAC | $66 | — | $66 | 0.06% |
| AUDREY J SHRIVE3 Filed as: AUDREY SHRIVE | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | AFLAC | $55 | — | $55 | 0.05% |
| MICHELLE M BARRETT3 Filed as: MICHELLE BARRETT | 201 LINDSAY TRL FORT PIERRE, SD 57532 | AFLAC | $54 | — | $54 | 0.05% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DR W STE. 300 ENGLEWOOD, CO 80112 | AFLAC | $33 | $8 | $41 | 0.03% |
| CENTURY ADMIN SERVICES INC.3 Filed as: CENTURY ADMINISTRATIVE SVCS | 109 W. MAIN ST. TRINIDAD, CO 81082 | AFLAC | $39 | — | $39 | 0.03% |
| CAREN CLINKSCALES3 | 703 HIGHLANDER DRIVE BIG SPRING, TX 79720 | AFLAC | $37 | — | $37 | 0.03% |
| ASPEN R LLC3 | 752 MAIN AVE STE. 201 DURANGO, CO 81301 | AFLAC | $36 | — | $36 | 0.03% |
| TINA WAY3 | 15550 E. COPPER CREEK LN. PARKER, CO 80134 | AFLAC | $28 | $8 | $36 | 0.03% |
| JARED CONLEY3 | 801 N. MAIN ST. SUITE 207 PUEBLO, CO 81003 | AFLAC | $30 | — | $30 | 0.03% |
| HEALTH PLAN OF THE UPPER OH VALLEY3 | 52160 NATIONAL ROAD EAST ST. CLAIRESVILLE, OH 43950 | AFLAC | $14 | — | $14 | 0.01% |
| PENNY NICHOLSON3 | 209 KENWOOD AVE. MARIETTA, OH 45750 | AFLAC | $9 | — | $9 | 0.01% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT P. EVANS JR. INC. | 1031 SADDLEBROOK DR. LUCAS, TX 75002 | AFLAC | $8 | — | $8 | 0.01% |
| GAYLORD I KAUFFMAN3 Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | AFLAC | $7 | — | $7 | 0.01% |
| ROBERT E KEMMER3 Filed as: ROBERT KEMMER | P.O. BOX 352 BUFFALO, OH 43722 | AFLAC | $7 | — | $7 | 0.01% |
| KAREN SUTPHIN3 | 81 TABLE ROCK LANE WHEELING, WV 26003 | AFLAC | $7 | — | $7 | 0.01% |
| MARK D JONES3 Filed as: MARK JONES | 306 CUNNINGHAM RUN ROAD PENNSBORO, WV 26415 | AFLAC | $6 | — | $6 | 0.01% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVE. STE. D LUBBOCK, TX 79423 | AFLAC | $4 | — | $4 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $3 | — | $3 | 0.00% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $2 | — | $2 | 0.00% |
| SARA BRIERY3 | 492 LAKEVIEW DRIVE VILLA #40 PALM HARBOR, FL 34683 | AFLAC | $2 | — | $2 | 0.00% |
| PATTI ELMORE3 | P.O. BOX 215 ANANOLA, HI 96703 | AFLAC | $1 | — | $1 | 0.00% |
| JAIME MAY3 | 2003 OVERTON RD LOT C PUEBLO, CO 81008 | AFLAC | $1 | — | $1 | 0.00% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | VISION SERVICE PLAN | $12K | — | $12K | 15.68% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | LINCOLN NATIONAL LIFE INSURANCE CO | $7K | — | $7K | 10.00% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 WEST 130TH STREET SUITE 200 OVERLAND PARK, KS 66213 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 5.18% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | LINCOLN NATIONAL LIFE INSURANCE CO | $751 | — | $751 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF COLORADO EIN 84-0568337 NONE | Contract Administrator Service code 13 | P.O. BOX 173803 DENVER, CO 80217 | $29K |
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 | 406 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 258 | $87K |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 569 | $107K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 569 | $97K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 406 | $73K |
| Other(3 contracts, 2 carriers) | AFLAC | 569 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.