| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEAN ANDREW FOSTER3 | PO BOX 276 WHITEWATER, CO 81527 | AFLAC | $5K | $988 | $6K | 8.16% |
| MYWHY LLC3 Filed as: MYWHY, LLC | PO BOX 276 WHITEWATER, CO 81527 | AFLAC | $6K | $102 | $6K | 7.94% |
| MANNY AM LLC3 Filed as: MANNY AM, LLC | 596 ANNA ROAD INGACIO, CO 81137 | AFLAC | $2K | $36 | $2K | 2.93% |
| MANUEL A MADRID3 Filed as: MANUEL A. MADRID | 1048 INDEPENDENT AVENUE, SUITE A207 GRAND JUNCTION, CO 81505 | AFLAC | $1K | $690 | $2K | 2.20% |
| ASPEN R LLC3 Filed as: ASPEN R. LLC | 752 MAIN AVENUE, SUITE 201 DURANGO, CO 81301 | AFLAC | $1K | $355 | $1K | 1.72% |
| ASPEN R KEATING3 Filed as: ASPEN R. KEATING AND OTHER AGENTS | 595 ANNA ROAD IGNACIO, CO 81137 | AFLAC | $1K | $87 | $1K | 1.52% |
| MANNY AM LLC3 Filed as: MANNY AM, LLC | 1048 INDEPENDENT AVENUE, SUITE A207 GRAND JUNCTION, CO 81505 | AFLAC | $1K | $92 | $1K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 24.50% |
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 |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 154 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $15K |
| Short-term disability | AFLAC | 89 | $79K |
| Other(3 contracts, 3 carriers) | AFLAC | 163 | $100K |
| 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.