| 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 | 4.13% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49315 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| GROUP DIRECT BROKERAGE AGENCY3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49315 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.43% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $56 | $56 | 0.10% |
| JENNIFER L FREEMAN3 | 5520 MELANIE CIR ELIZABETH, CO 80107 | AFLAC | $2K | — | $2K | 3.94% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | AFLAC | $1K | — | $1K | 2.56% |
| ROMAN THOMAS SORIA3 | 2346 W TURNER RD LODI, CA 95242 | AFLAC | $494 | — | $494 | 1.22% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $463 | — | $463 | 1.14% |
| BEVERLY L WEAVER3 | 152 E MARSHALL ST WAYNESVILLE, NC 28786 | AFLAC | $217 | — | $217 | 0.53% |
| ZACHARY DANIEL HOLLON3 | 2891 W LONG CIR APT H LITTLTON, CO 80120 | AFLAC | $167 | — | $167 | 0.41% |
| DAYTON LLC3 | 5445 DTC PKWY, STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $86 | — | $86 | 0.21% |
| JEREMY M EANES3 | 21729 E MERCER PL AURORA, CO 80018 | AFLAC | $63 | — | $63 | 0.16% |
| LINDSAY A LIJEWSKI3 | 5445 DTC PKWY, STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $47 | — | $47 | 0.12% |
| LARRY HIGMAN3 Filed as: LARRY D HIGMAN | 34723 COUNTY ROAD 21 ELIZABETH, CO 80107 | AFLAC | $19 | — | $19 | 0.05% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | PO BOX 1168 EDEN, UT 84310 | AFLAC | $8 | — | $8 | 0.02% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BENEFIT HEALTH | ADVISOR 9605 S KINGSTON CT, STE 150 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | $2K | — | $2K | 10.10% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 216 | $19K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 319 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 344 | $120K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 319 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.