| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYWHY LLC3 | PO BOX 276 WHITEWATER, CO 81527 | AFLAC | $3K | $428 | $3K | 4.53% |
| ZACHRY LOREN BURCH3 | 1092 VALLEY VIEW ROAD GLENWOOD SPRINGS, CO 81601 | AFLAC | $2K | $162 | $2K | 2.81% |
| MJ INSURANCE3 Filed as: MANUEL A. MADRID AND VARIOUS AGENTS | 1048 INDEPENDENT AVENUE, SUITE A207 GRAND JUNCTION, CO 81505 | AFLAC | $2K | $292 | $2K | 2.76% |
| MANUEL A MADRID3 Filed as: MANUEL A. MADRID | 6282 DOUGLAS COURT NORTH CHMAPLIN, MN 55316 | AFLAC | $1K | $25 | $1K | 1.55% |
| ASPEN R LLC3 Filed as: ASPEN R. MADRID | 4624 141ST LANE NE HAM LAKE, MN 55304 | AFLAC | $580 | $65 | $645 | 0.96% |
| ADRIAN ERIC SALAZAR3 | 109 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $495 | $43 | $538 | 0.80% |
| CHRITSTINE M. STOLTZFUS3 | 770 CANYON CREEK DRIVE GLENWOOD SPRINGS, CO 81601 | AFLAC | $524 | $0 | $524 | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1125 17TH STREET, SUIT 900 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.79% |
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 | 149 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 136 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $18K |
| Short-term disability | AFLAC | 64 | $67K |
| Other(3 contracts, 3 carriers) | AFLAC | 191 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
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.