| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $13K | — | $13K | 28.19% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 9034 E. EASTER, SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $491 | — | $491 | 1.10% |
| JENNIFER L FOSS3 Filed as: JENNIFER L. FOSS | 9034 E. EASTER PLACE, STE. 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $419 | — | $419 | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO INC. | 725 S. COLORADO BLVD. TOWER II, SUITE 900 DENVER, CO 80246 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $27 | — | $27 | 0.06% |
| TIFFANY ANNE KING3 Filed as: TIFFANY A. KING | 3850 VINE ST., SUITE 130 RIVERSIDE, CA 92507 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $22 | — | $22 | 0.05% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 N. MERIDIAN ST., SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $20 | — | $20 | 0.04% |
| JONOTHAN S. KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $13 | — | $13 | 0.03% |
| JENNIFER L FREEMAN3 Filed as: JENNIFER L. FREEMAN | 4672 CHARING COURT CASTLE ROCK, CO 80109 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $8 | — | $8 | 0.02% |
| JOSE DE LOS SANTOS III3 | 155 INVERENSS DR. WEST, STE. 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $5 | — | $5 | 0.01% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERENSS DR. WEST, STE. 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3 | — | $3 | 0.01% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1 | — | $1 | 0.00% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 237 | $39K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 358 | $76K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 357 | $100K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 357 | $78K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 358 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.