| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | BENEFIT HEALTH ADVISOR 9605 S KINGSTON CT, STE 150 ENGLEWOOD, CO 80112 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.63% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49315 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $68 | $68 | 0.12% |
| JENNIFER L FREEMAN3 | 5520 MELANIE CIRCLE ELIZABETH, CO 80107 | AFLAC | $1K | $161 | $2K | 4.22% |
| ACRISURE LLC3 | 9605 S KINGSTON CT, STE 150 ENGLEWOOD, CO 80112 | AFLAC | $799 | — | $799 | 2.24% |
| ROMAN THOMAS SORIA3 | 2346 W TURNER RD LODI, CA 95252 | AFLAC | $457 | — | $457 | 1.28% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80126 | AFLAC | $425 | — | $425 | 1.19% |
| BEVERLY L WEAVER3 | 152 E MARSHALL ST WAYNESVILLE, NC 28786 | AFLAC | $200 | — | $200 | 0.56% |
| TIFFANY NICOLE FOSTER3 | 19519 E PURDUE CIR AURORA, CO 80013 | AFLAC | $82 | $65 | $147 | 0.41% |
| LINDSAY A LIJEWSKI3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $26 | — | $26 | 0.07% |
| LARRY HIGMAN3 Filed as: LARRY D HIGMAN | 34723 COUNTY ROAD 21 ELIZABETH, CO 80107 | AFLAC | $24 | — | $24 | 0.07% |
| LINDSAY A LIJEWSKI3 | 5445 DTC PKWY, STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $15 | — | $15 | 0.04% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | PO BOX 1168 EDEN, UT 84310 | AFLAC | $9 | — | $9 | 0.03% |
| BARRY R WHITESIDES3 | 17575 E DEWBERRY CIR PARKER, CO 80134 | AFLAC | $3 | — | $3 | 0.01% |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 349 | $56K |
| Long-term disability | STANDARD INSURANCE COMPANY | 352 | $112K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 349 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.