| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 9.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS | 4600 S SYRACUSE ST STE 1250 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 3.79% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $646 | $646 | 0.32% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$26 | — | -$26 | -0.01% |
| PILKINGTON FINANCIAL SERVICES INC3 Filed as: PILKINGTON FINANCIAL SERVICES LTD | 226 SO 2ND ST STERLING, CO 80751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.02% |
| RUSSELL ADELS3 | 226 S 2ND ST STERLING, CO 80751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $923 | — | $923 | 3.25% |
| TROY J KIDD3 | 13066 EMERSON ST THORNTON, CO 80241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $677 | — | $677 | 2.38% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 2050 E 101ST CT THORNTON, CO 80229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $639 | — | $639 | 2.25% |
| JOHN D REEVES3 | 7738 PRAIRIE LAKE TR PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $336 | — | $336 | 1.18% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 116 E MAIN ST ROCK HILL, SC 29730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | — | $286 | 1.01% |
| JAMES M GARNER3 | 8670 WOLFF COURT SUITE 290 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $190 | — | $190 | 0.67% |
| JASON ANDERSON3 Filed as: JASON W ANDERSON | 2050 E 101ST CT THORNTON, CO 80229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 0.60% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.37% |
| LISA M HALL3 | 2542 SUNDOWN DR COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.17% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DR WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.12% |
| TINA WAY3 | 155 INVERNESS DR WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.09% |
| RUSSELL ADELS3 | 11122 COUNTY ROAD 36 STERLING, CO 80751 | AFLAC | $2K | $125 | $2K | 7.81% |
| ROHIT J DASS3 | 5979 S LITTLE RIVER WAY AURORA, CO 80016 | AFLAC | $573 | $39 | $612 | 2.77% |
| TROY J KIDD3 | 13066 EMERSON ST THORNTON, CO 80241 | AFLAC | $473 | $61 | $534 | 2.42% |
| PILKINGTON FINANCIAL SERVICES INC3 | 226 SO 2ND ST PO BOX 1403 STERLING, CO 80751 | AFLAC | $444 | — | $444 | 2.01% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $272 | $44 | $316 | 1.43% |
| LUKE ARTZER3 | PO BOX 1553 WEATHERFORD, TX 76086 | AFLAC | $279 | — | $279 | 1.26% |
| BRENDA J MCGINNIS3 | 5003 PATRIOT PARK CIR SE OWENS CROSS ROADS, AL 35763 | AFLAC | $175 | — | $175 | 0.79% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $157 | — | $157 | 0.71% |
| MICHELLE A JOHNSON3 | 437 CR 83 SIDNEY, NE 69162 | AFLAC | $142 | — | $142 | 0.64% |
| CERI D ARTZER3 | PO BOX 1553 WEATHERFORD, TX 76086 | AFLAC | $107 | — | $107 | 0.48% |
| KATHERINE ANDERSON3 | 2050 E 101ST CT THORNTON, CO 80229 | AFLAC | $98 | — | $98 | 0.44% |
| JASON ANDERSON3 | 2050 E 101ST CT THORNTON, CO 80229 | AFLAC | $84 | — | $84 | 0.38% |
| ROBERT MOLLENDOR3 | 625 MINDY CT STERLING, CO 80751 | AFLAC | $57 | — | $57 | 0.26% |
| JONATHAN SAMUEL KIRKLAND3 | 820 ARONSON LAKE CT ROSWELL, GA 30075 | AFLAC | $53 | — | $53 | 0.24% |
| BRENDA J MCGINNIS3 | 90 BRASWELL RD GUNTERSVILLE, AL 35976 | AFLAC | $40 | — | $40 | 0.18% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $25 | — | $25 | 0.11% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 826 N ELM ST GREENSBORO, NC 27401 | AFLAC | $21 | — | $21 | 0.10% |
| SUSAN MOSER3 Filed as: SUSAN K MOSER | 10264 LAKOTA CT DEMOTTE, IN 46310 | AFLAC | $20 | — | $20 | 0.09% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $20 | — | $20 | 0.09% |
| JOHN D REEVES3 Filed as: JOHN D REEVES III | 7738 PRAIRIE LAKE TRAIL PARKER, CO 80134 | AFLAC | $20 | — | $20 | 0.09% |
| STEPHANIE FARRELL3 | 8670 WOLFF CT STE 290 WESTMINSTER, CO 80031 | AFLAC | $18 | — | $18 | 0.08% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2004 STRATTON HILLS CT GREENSBORO, NC 27410 | AFLAC | $17 | — | $17 | 0.08% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $15 | — | $15 | 0.07% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $14 | — | $14 | 0.06% |
| JAMES M GARNER3 | 1301 ARAPAHOE ST STE 105 GOLDEN, CO 80401 | AFLAC | $12 | — | $12 | 0.05% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 823 N ELM ST GREENSBORO, NC 27401 | AFLAC | $8 | — | $8 | 0.04% |
| DAVID R CHARLES3 | 1791 TWIN PINE BLVD GULF BREEZE, FL 32563 | AFLAC | $8 | — | $8 | 0.04% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $8 | — | $8 | 0.04% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $7 | — | $7 | 0.03% |
| HOLLIE A CHAFFIN3 | 1105 LOUISIANA PL LONGMONT, CO 80501 | AFLAC | $7 | — | $7 | 0.03% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DR LAUREL, MT 59044 | AFLAC | $7 | — | $7 | 0.03% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $5 | — | $5 | 0.02% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR DALENE, ID 83815 | AFLAC | $4 | — | $4 | 0.02% |
| CHAD T ATWOOD3 | 1511 60TH AVE GREELEY, CO 80634 | AFLAC | $4 | — | $4 | 0.02% |
| DANIEL C HARRIS3 | 124 CARTERS GROVE DR GIBSONIA, PA 15044 | AFLAC | $3 | — | $3 | 0.01% |
| NICHOLAS DEAN SHIPE3 | 11037 BROADWAY STE C CROWN POINT, IN 46307 | AFLAC | $3 | — | $3 | 0.01% |
| SARA BRIERY3 Filed as: SARA E BRIERY | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $2 | — | $2 | 0.01% |
| BRENDAN W DEASY3 | 534 W 7TH AVE WEST HOMESTEAD, PA 15120 | AFLAC | $2 | — | $2 | 0.01% |
| LAWRENCE A ELMORE3 | PO BOX 244 MORRISON, CO 80465 | AFLAC | $2 | — | $2 | 0.01% |
| J THEIS & ASSOCIATES INC3 | 960 S 24TH ST W SUITE H BILLINGS, MT 59102 | AFLAC | $2 | — | $2 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD STE A WOODBURY, NY 11797 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER PAUL FARGOTSTEIN3 | 120 MARGUERITE DR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| HEATHER BARTLEY3 | 120 MARGUERITE DR SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| JOHANNES C BUBBERT3 | 21346 SAINT ANDREWS BLVD 194 BOCA RATON, FL 33433 | AFLAC | $1 | — | $1 | 0.00% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 20.41% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | ANTHEM LIFE INSURANCE COMPANY | $1K | $18 | $1K | 15.82% |
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 | 163 | 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) | 163 | 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 | 66 | $224K |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC. | 47 | $18K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC. | 47 | $18K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 118 | $7K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 163 | $28K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 118 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.