| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 9.13% |
| SCOTT ROBERT STORJOHANN3 | 10110 EATON STREET WESTMINSTER, CO 80020 | AFLAC | $450 | $24 | $474 | 7.11% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 321 NORTH CLARK STREET CHICAGO, IL 60654 | AFLAC | $186 | $0 | $186 | 2.79% |
| ZENAT SHARIFF BELKIN3 | 14204 WEST EVANS CIRCLE LAKEWOOD, CO 80228 | AFLAC | $155 | $0 | $155 | 2.33% |
| JAMES J SCHAMBER3 Filed as: JAMES J. SCHAMBER | 2851 SOUTH PARKER ROAD, SUITE 560 AURORA, CO 80014 | AFLAC | $112 | $6 | $118 | 1.77% |
| JULIE GONZALES3 Filed as: JULIE GONZALES AND OTHER AGENTS | 7083 WEST ROXBURY PLACE LITTLETON, CO 80128 | AFLAC | $113 | $0 | $113 | 1.70% |
| LISA M PERRY3 Filed as: LISA M. PERRY | 1300 WEST 12TH AVENUE BROOMFIELD, CO 80020 | AFLAC | $69 | $0 | $69 | 1.04% |
| LARMON M PESCHKA3 Filed as: LARMON M. PESCHKA | 16748 EAST SMOKY HILL ROAD, UNIT 9C AURORA, CO 80015 | AFLAC | $35 | $0 | $35 | 0.53% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $39K |
| Short-term disability | AFLAC | 4 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $39K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.