| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 9781 SOUTH MERIDIAN BOULEVARD SUITE 300 ENGLEWOOD, CO 80112 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 9.92% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.97% |
| INS EXCHANGE LLC3 Filed as: INS EXCHANGE, LLC | 5 ROEHM COURT WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.76% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 9781 SOUTH MERIDIAN BOULEVARD SUITE 300 ENGLEWOOD, CO 80112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 11.49% |
| REBECCA SWAIN3 | 2218 PODTBURG CIRCLE JOHNSTOWN, CO 80534 | AFLAC | $6K | $194 | $6K | 9.42% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 9781 SOUTH MERIDIAN BOULEVARD SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $2K | $0 | $2K | 3.19% |
| KEVIN NAUMANN3 | 1017 MAPLECREST DRIVE PUEBLO, CO 81005 | AFLAC | $2K | $0 | $2K | 3.00% |
| ASHLEY LYNN DUDLEY3 Filed as: ASHLEY DUDLEY | 2933 NEW CASTLE DRIVE LOVELAND, CO 80538 | AFLAC | $1K | $29 | $1K | 2.10% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $928 | $20 | $948 | 1.43% |
| AMY SLOKAN3 | 2405 WILLOWBEND DRIVE ST AUGUSTINE, FL 32092 | AFLAC | $763 | $0 | $763 | 1.15% |
| MJ INSURANCE3 Filed as: TONYA DORMAN AND VARIOUS AGENTS | 8569 VALLEY RANCH POINT FOUNTAIN, CO 80817 | AFLAC | $145 | $9 | $154 | 0.23% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 9781 SOUTH MERIDIAN BOULEVARD SUITE 300 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.05% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $495 | $26 | $521 | 5.93% |
| CENTENNIAL ADVISOR GROUP LLC3 Filed as: CENTENNIAL ADVISOR GROUP, LLC | 9781 SOUTH MERIDIAN BOULEVARD SUITE 300 ENGLEWOOD, CO 80112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $446 | $0 | $446 | 5.08% |
| DESIGN HEALTH3 | 9781 SOUTH MERIDIAN BOULEVARD SUITE 300 ENGLEWOOD, CO 80112 | BETA HEALTH | $434 | $0 | $434 | 10.00% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $200K |
| Vision | VISION SERVICE PLAN | 173 | $25K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $156K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $147K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $147K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.