| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.72% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT STORJOHANN | 10110 EATON STREET WESTMINSTER, CO 80020 | AFLAC | $65 | $0 | $65 | 2.49% |
| ZENAT SHARIFF BELKIN3 Filed as: ZENAT BELKIN | 14204 WEST EVANS DRIVE LAKEWOOD, CO 80228 | AFLAC | $55 | $0 | $55 | 2.11% |
| JULIE GONZALES3 | 7083 WEST ROXBURY PLACE LITTLETON, CO 80128 | AFLAC | $32 | $0 | $32 | 1.23% |
| MJ INSURANCE3 Filed as: JAMES SCHAMBER AND VARIOUS AGENTS | 2851 SOUTH PARKER ROAD, SUITE 560 AURORA, CO 80014 | AFLAC | $32 | $0 | $32 | 1.23% |
| LARMON PESCHKA3 | 16748 SMOKY HILL ROAD, UNIT 9C AURORA, CO 80015 | AFLAC | $19 | $0 | $19 | 0.73% |
| MARK BELKIN3 | 14204 WEST EVANS CIRCLE LAKEWOOD, CO 80228 | AFLAC | $16 | $0 | $16 | 0.61% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $15 | $0 | $15 | 0.57% |
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 | $47K |
| Short-term disability | AFLAC | 3 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $47K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $49K |
| 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.