| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLOR | 2000 SOUTH COLORADO BOULEVARD SUITE 11100 DENVER, CO 80222 | GUARDIAN LIFE INSURANCE COMPANY | $14K | $1K | $15K | 13.19% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREENLEY, CO 80634 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.66% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.59% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUSCAN, AZ 85711 | AMFIRST | $10K | $0 | $10K | 19.68% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $4K | $0 | $4K | 7.20% |
| NICK HUMBLE3 | UNKNOWN FOT COLLINS, CO 80524 | AMFIRST | $3K | $0 | $3K | 5.75% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 WEST 20TH STREET GREENLEY, CO 80634 | AMFIRST | $993 | $0 | $993 | 1.90% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 187 | $117K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 187 | $117K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 187 | $117K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 187 | $117K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 187 | $117K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 187 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.