| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE STOLTZFUS3 Filed as: CHRISTINE M. STOLTZFUS | 42 MEADOW CREEK DRIVE PARACHUTE, CO 81635 | AFLAC | $1K | $0 | $1K | 6.85% |
| THE MADRID AGENCY INC3 | 6282 DOUGLAS COURT NORTH CHAMPLIN, MN 55316 | AFLAC | $361 | $0 | $361 | 1.70% |
| MYWHY LLC3 | PO BOX 276 WHITEWATER, CO 81527 | AFLAC | $301 | $0 | $301 | 1.42% |
| MJ INSURANCE3 Filed as: MILES G. RATTET AND VARIOUS AGENTS | 1175 COUNTY ROAD 154, SUITE 101B GLENWOOD SPRINGS, CO 81601 | AFLAC | $271 | $0 | $271 | 1.28% |
| AMY M BUCHANAN3 Filed as: AMY M. BUCHANAN | 1584 RIDGE ROAD DURANGO, CO 81303 | AFLAC | $217 | $0 | $217 | 1.02% |
| ASPEN R LLC3 Filed as: ASPEN R. MADRID | 261 MONARCH CREST TRAIL DURANGO, CO 81301 | AFLAC | $150 | $0 | $150 | 0.71% |
| SHEILA MARIE DAVIS3 | PO BOX 563 CRAIG, CO 81626 | AFLAC | $142 | $0 | $142 | 0.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $489 | $0 | $489 | 3.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.27% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 142 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $8K |
| Short-term disability | AFLAC | 36 | $21K |
| Other(3 contracts, 3 carriers) | AFLAC | 192 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.