| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEAN ANDREW FOSTER3 | PO BOX 276 WHITEWATER, CO 81527 | AFLAC | $16K | $465 | $17K | 30.10% |
| MANUEL A MADRID3 Filed as: MANUEL A. MADRID | 1048 INDEPENDENT AVENUE, SUITE A207 GRAND JUNCTION, CO 81505 | AFLAC | $7K | $10 | $7K | 12.49% |
| ASPEN R LLC3 Filed as: ASPEN R., LLC | 752 MAIN AVENUE, SUITE 201 DURANGO, CO 81301 | AFLAC | $2K | $4 | $2K | 3.82% |
| JULIE BROADY3 | PO BOX 2501 GRANBY, CO 80446 | AFLAC | $67 | $8 | $75 | 0.13% |
| MARISSA ANN KASTRUP3 | 818 CEDAR COURT, APT A FRUITA, CO 81521 | AFLAC | $64 | $0 | $64 | 0.12% |
| DAVID L DACUS3 Filed as: DAVID L. DACUS | 9045 FOREST CENTRE DRIVE, SUITE 101 GERMANTOWN, TN 38138 | AFLAC | $25 | $0 | $25 | 0.04% |
| ANNETTTE S. WULFF AND OTHER AGENTS3 | 471 EAST SCENIC DRIVE GRAND JUNCTION, CO 81507 | AFLAC | $19 | $0 | $19 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.17% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 138 | $23K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $11K |
| Short-term disability | AFLAC | 88 | $56K |
| Other(2 contracts, 2 carriers) | AFLAC | 145 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.