| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZIENT INSURANCE SERVICES LLC3 | 290 E JOHN CARPENTER FREEWAY IRVING, TX 75062 | COMPANION LIFE INSURANCE COMPANY | $15K | — | $15K | 2.70% |
| ALEXANDER BENEFITS CONSULTING3 | 1099 18TH ST STE 2870 DENVER, CO 80202 | COMPANION LIFE INSURANCE COMPANY | $13K | — | $13K | 2.30% |
| DIANA SWINDERMAN3 | 1170 HARDING AVENUE CANON CITY, CO 81212 | AFLAC | $9K | $491 | $10K | 7.08% |
| REBECCA J SNEDDON3 Filed as: REBECCA SNEDDON | 315 YUCCA ST PUEBLO, CO 81005 | AFLAC | $8K | $393 | $8K | 5.93% |
| FRED H STREIFF3 Filed as: FRED STREIFF | 503 N MAIN ST STE 546 PUEBLO, CO 81003 | AFLAC | $3K | $157 | $3K | 2.33% |
| CLINT WEIGHT3 | 3204 NORTH ACADEMY BLVD SUITE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $2K | $177 | $2K | 1.63% |
| JARED CONLEY3 | 801 N. MAIN ST. SUITE 207 PUEBLO, CO 81003 | AFLAC | $1K | $20 | $1K | 0.91% |
| DORA PARSONS3 | 1858 W COSTILLA DRIVE PUEBLO, CO 81007 | AFLAC | $1K | — | $1K | 0.84% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $798 | — | $798 | 0.57% |
| JONATHAN KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $300 | — | $300 | 0.21% |
| BILLY WAYNE OCONNOR3 Filed as: BILLY OCONNOR | 1309 N PRINCE EDWARD IS OLATHE, KS 66061 | AFLAC | $221 | — | $221 | 0.16% |
| DANIEL E YOUNG3 Filed as: DANIEL YOUNG | 5075 CLIFF POINT CIR E COLORADO SPRINGS, CO 80919 | AFLAC | $187 | — | $187 | 0.13% |
| RONALD A MONSON3 Filed as: RONALD MONSON | 309 W LINDEN AVE PUEBLO WEST, CO 81007 | AFLAC | $147 | — | $147 | 0.10% |
| THE CLINE AGENCY3 | 712 PLACHY DRIVE ALAMOSA, CO 81101 | AFLAC | $141 | — | $141 | 0.10% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DR W STE. 300 ENGLEWOOD, CO 80112 | AFLAC | $133 | — | $133 | 0.09% |
| TINA WAY3 | 15550 E. COPPER CREEK LN. PARKER, CO 80134 | AFLAC | $108 | — | $108 | 0.08% |
| KIM JORDAN3 | P.O. BOX 2233 DURANGO, CO 81302 | AFLAC | $107 | — | $107 | 0.08% |
| SHERRY TURNER3 | 1548 G ST UNIT 1 SALIDA, CO 81201 | AFLAC | $85 | — | $85 | 0.06% |
| JOHN THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $68 | — | $68 | 0.05% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $67 | — | $67 | 0.05% |
| MATHEW P GAHM3 Filed as: MATHEW GAHM | 6754 SILVERWIND CIRCLE COLORADO SPRINGS, CO 80923 | AFLAC | $64 | — | $64 | 0.05% |
| ROGER CURTIS POWELL3 Filed as: ROGER POWELL | 1395 FARNHAM PT APT 208 COLORADO SPRINGS, CO 80904 | AFLAC | $61 | — | $61 | 0.04% |
| AUDREY J SHRIVE3 Filed as: AUDREY SHRIVE | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | AFLAC | $55 | — | $55 | 0.04% |
| MICHELLE M BARRETT3 Filed as: MICHELLE BARRETT | 201 LINDSAY TRL FORT PIERRE, SD 57532 | AFLAC | $55 | — | $55 | 0.04% |
| JENNIFER L FREEMAN3 Filed as: JENNIFER FREEMAN | 4672 CHARING CT CASTLE ROCK, CO 80109 | AFLAC | $42 | — | $42 | 0.03% |
| CAREN CLINKSCALES3 | 703 HIGHLANDER DRIVE BIG SPRING, TX 79720 | AFLAC | $40 | — | $40 | 0.03% |
| ASPEN R LLC3 | 752 MAIN AVE STE. 201 DURANGO, CO 81301 | AFLAC | $37 | — | $37 | 0.03% |
| ZAKERY HARLOW3 | 3204 N ACADEMY BLVD STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $32 | — | $32 | 0.02% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $31 | — | $31 | 0.02% |
| BEVERLY WEAVER3 | 3541 WINNEBAGO DR SEDALIA, CO 80135 | AFLAC | $23 | — | $23 | 0.02% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $15 | — | $15 | 0.01% |
| HEALTH PLAN OF THE UPPER OH VALLEY3 | 52160 NATIONAL ROAD EAST ST. CLAIRESVILLE, OH 43950 | AFLAC | $14 | — | $14 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | AFLAC | $12 | — | $12 | 0.01% |
| CENTURY ADMIN SERVICES INC.3 Filed as: CENTURY ADMINISTRATIVE SVCS | 109 W. MAIN ST. TRINIDAD, CO 81082 | AFLAC | $10 | — | $10 | 0.01% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT P. EVANS JR. INC. | 1031 SADDLEBROOK DR. LUCAS, TX 75002 | AFLAC | $8 | — | $8 | 0.01% |
| ROBERT E KEMMER3 Filed as: ROBERT KEMMER | P.O. BOX 352 BUFFALO, OH 43722 | AFLAC | $7 | — | $7 | 0.00% |
| KAREN SUTPHIN3 | 81 TABLE ROCK LANE WHEELING, WV 26003 | AFLAC | $7 | — | $7 | 0.00% |
| SARA BRIERY3 | 492 LAKEVIEW DRIVE VILLA #40 PALM HARBOR, FL 34683 | AFLAC | $7 | — | $7 | 0.00% |
| JUDY KAUFFMAN3 | PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $7 | — | $7 | 0.00% |
| MICHAEL NICHOLSON3 | 209 KENWOOD AVE MARIETTA, OH 45750 | AFLAC | $7 | — | $7 | 0.00% |
| MARK D JONES3 Filed as: MARK JONES | 306 CUNNINGHAM RUN ROAD PENNSBORO, WV 26415 | AFLAC | $6 | — | $6 | 0.00% |
| PATTI ELMORE3 | P.O. BOX 215 ANANOLA, HI 96703 | AFLAC | $6 | — | $6 | 0.00% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVE. STE. D LUBBOCK, TX 79423 | AFLAC | $4 | — | $4 | 0.00% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $2 | — | $2 | 0.00% |
| SAUL R LOCKER3 Filed as: SAUL LOCKER | 1099 18TH ST STE 2870 DENVER, CO 802021911 | VISION SERVICE PLAN | $6K | — | $6K | 7.02% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 75 REMITTANCE DR STE 1855 CHICAGO, IL 606751001 | VISION SERVICE PLAN | $6K | — | $6K | 6.38% |
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT INSURANCE SERVICES, LLC | 75 REMITTANCE DR STE 1855 CHICAGO, IL 606751001 | VISION SERVICE PLAN | $3K | — | $3K | 3.46% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | — | $4K | 5.75% |
| ALEXANDER BENEFITS CONSULTING3 | 1099 18TH ST STE 2870 DENVER, CO 80202 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 4.25% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | LINCOLN NATIONAL LIFE INSURANCE CO | $437 | — | $437 | 5.81% |
| ALEXANDER BENEFITS CONSULTING3 | 1099 18TH ST STE 2870 DENVER, CO 80202 | LINCOLN NATIONAL LIFE INSURANCE CO | $315 | — | $315 | 4.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF COLORADO EIN 84-0568337 NONE | Contract Administrator Service code 13 | P.O. BOX 173803 DENVER, CO 80217 | $34K |
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 | 416 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 298 | $98K |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 583 | $117K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 583 | $104K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 416 | $597K |
| Other(3 contracts, 2 carriers) | AFLAC | 583 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.