| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 6312 SOUTH FIDDLERS GREEN CIRCLE SUITE 550E GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 4.22% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.41% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 321 NORTH CLARK STREET CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 8.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $999 | $0 | $999 | 1.69% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $316 | $316 | 0.53% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 6312 SOUTH FIDDLERS GREEN CIRCLE SUITE 550E GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 9.33% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | AFLAC | $546 | $0 | $546 | 5.20% |
| CLINTON CHARLES ZELEZ3 Filed as: CLINTON C. ZELEZ | 6986 WEST QUAIL AVENUE GLENDALE, AZ 85308 | AFLAC | $457 | $0 | $457 | 4.35% |
| ELIZABETH B FINEBERG3 Filed as: ELIZABETH B. FINEBERG | 549 WAGON BEND ROAD BERTHOUD, CO 80513 | AFLAC | $152 | $0 | $152 | 1.45% |
| JEFF KLEINMAN3 | 33202 NORTH 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $95 | $0 | $95 | 0.91% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT R. STORJOHANN | 10110 EATON STREET WESTMINSTER, CO 80020 | AFLAC | $32 | $0 | $32 | 0.30% |
| MJ INSURANCE3 Filed as: SHAWN D. HOLTORF AND VARIOUS AGENTS | 5522 WEST NORTHWOOD DRIVE GLENDALE, AZ 85310 | AFLAC | $29 | $0 | $29 | 0.28% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 1331 WEST MOREHEAD, SUITE 115 CHARLOTTE, NC 28208 | AFLAC | $22 | $0 | $22 | 0.21% |
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 | 153 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $874K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 95 | $59K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $874K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $49K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $49K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $49K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $874K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.