| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W. 20TH ST GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $432 | $30K | 9.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 3.79% |
| PILKINGTON FINANCIAL SERVICES INC Filed as: PILKINGTON FINANCIAL SERVICES LTD | 226 SO 2ND ST STERLING, CO 80751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.45% |
| TROY J KIDD Filed as: TROY KIDD | 8601 TURNPIKE DRIVE, #206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.62% |
| KATHERINE ANDERSON | 8601 TURNPIKE DRIVE, #206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $755 | — | $755 | 2.57% |
| JOHN D REEVES Filed as: JOHN REEVES III | 7738 PRAIRIE LAKE TRAIL PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $594 | — | $594 | 2.02% |
| LISA HALL | 8601 TURNPIKE DRIVE, #206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | — | $355 | 1.21% |
| JAMES M GARNER Filed as: JAMES GARNER | 8670 WOLFF CT, STE 290 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $243 | — | $243 | 0.83% |
| KIEFER GROUP INSURANCE AGCY LLC | 12002 SOUTH MILONA DR DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.47% |
| RUSSELL ADELS | 226 SO 2ND ST STERLING, CO 80751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.21% |
| JOSE DE LOS SANTOS III | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.15% |
| TINA WAY | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.12% |
| LARRY W NICHOLSON Filed as: LARRY NICHOLSON | 861 N AUBURNDALE ST MEMPHIS, TN 38107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.09% |
| LUKE ARTZER | 451 STONERIDGE TRAIL WEATHERFORD, TX 76087 | AFLAC | $309 | — | $309 | 1.81% |
| RUSSELL ADELS | 11122 COUNTY ROAD 36 STERLING, CO 80751 | AFLAC | $266 | — | $266 | 1.56% |
| BRENDA J MCGINNIS Filed as: BRENDA MCGINNIS | 90 BRASWELL RD GUNTERSVILLE, AL 35976 | AFLAC | $244 | — | $244 | 1.43% |
| PILKINGTON FINANCIAL SERVICES INC | 226 SO 2ND ST STERLING, CO 80751 | AFLAC | $185 | — | $185 | 1.09% |
| THERESA CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $177 | — | $177 | 1.04% |
| MICHELLE A JOHNSON Filed as: MICHELLE JOHNSON | 437 CR 83 SIDNEY, NE 69162 | AFLAC | $164 | — | $164 | 0.96% |
| JOHN D REEVES Filed as: JOHN REEVES III | 7738 PRAIRIE LAKE TRAIL PARKER, CO 80134 | AFLAC | $123 | $32 | $155 | 0.91% |
| KATHERINE ANDERSON | 2977 HYDRA DR LOVELAND, CO 80537 | AFLAC | $118 | $6 | $124 | 0.73% |
| CERI ARTZER | 451 STONERIDGE TRAIL WEATHERFORD, TX 76087 | AFLAC | $120 | — | $120 | 0.70% |
| LISA HALL | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $80 | $6 | $86 | 0.50% |
| TROY J KIDD Filed as: TROY KIDD | 13066 EMERSON ST THORNTON, CO 80241 | AFLAC | $63 | — | $63 | 0.37% |
| ROBERT MOLLENDOR | 117 CORTEZ ST STERLING, CO 80751 | AFLAC | $62 | — | $62 | 0.36% |
| JOHNATHAN KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $61 | — | $61 | 0.36% |
| KELLY LEBSACK | 826 N ELM ST GREENSBORO, NC 27401 | AFLAC | $45 | — | $45 | 0.26% |
| JOHN THOMPSON | 6395 S KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $28 | — | $28 | 0.16% |
| STEPHANIE FARRELL | 8670 WOLFF CT, STE 290 WESTMINSTER, CO 80031 | AFLAC | $20 | — | $20 | 0.12% |
| LARRY W NICHOLSON Filed as: LARRY NICHOLSON | 861 N AUBURNDALE ST MEMPHIS, TN 38107 | AFLAC | $17 | — | $17 | 0.10% |
| JOSE DE LOS SANTOS III | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $13 | — | $13 | 0.08% |
| JAMES M GARNER Filed as: JAMES GARNER | 14143 DENVER WEST PKWY, STE 100 GOLDEN, CO 80401 | AFLAC | $13 | — | $13 | 0.08% |
| DAVID R CHARLES Filed as: DAVID CHARLES | 112 E MYRTLE AVE, STE 403 JOHNSON CITY, TN 37601 | AFLAC | $8 | — | $8 | 0.05% |
| J THEIS & ASSOCIATES INC Filed as: J THEIS & ASSOCIATES, INC. | 960 S 24TH ST W, STE H BILLINGS, MT 59102 | AFLAC | $8 | — | $8 | 0.05% |
| TINA WAY | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $7 | — | $7 | 0.04% |
| ALLISON FARRIS WENDELBERGER | 1839 YGNACIO VALLEY RD, STE 393 WALNUT CREEK, CA 94598 | AFLAC | $6 | — | $6 | 0.04% |
| KIEFER GROUP INSURANCE AGCY LLC | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $6 | — | $6 | 0.04% |
| SARA BRIERY | 492 LAKEVIEW DRIVE VILLA #40 PALM HARBOR, FL 34683 | AFLAC | $2 | — | $2 | 0.01% |
| PATTI ELMORE | PO BOX 215 ANANOLA, HI 96703 | AFLAC | $1 | — | $1 | 0.01% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W. 20TH ST GREELEY, CO 80634 | ANTHEM LIFE INSURANCE COMPANY | $2K | $6 | $2K | 30.17% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $316K |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 117 | $19K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 117 | $19K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 82 | $8K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 150 | $29K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 82 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.