| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA Filed as: CIGNA HEALTH AND LIFE INSURANCE CO | PO BOX 20643 LEHIGH VALLEY, PA 18002 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $43K | $43K | 7.69% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE CO. | $42K | — | $42K | 7.51% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS | 8205 W 20TH STREET GREELEY, CO 80634 | COMPANION LIFE | $3K | — | $3K | 9.16% |
| BETA HEALTH ASSOCIATION Filed as: BETA HEALTH ASSOC INC | 9725 E HAMPDEN AVE DENVER, CO 80231 | COMPANION LIFE | $2K | — | $2K | 4.99% |
| SHIRAZI-MILLER BENEFITS LLC | 8205 W 20TH STREET GREELEY, CO 80634 | COMPANION LIFE | $283 | — | $283 | 0.82% |
| VOLUNTARY SOLUTIONS INC3 | 509 S 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE | $1K | $605 | $2K | 5.86% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE | $907 | $190 | $1K | 3.38% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH STREET GREELEY, CO 80634 | COLONIAL LIFE | $511 | — | $511 | 1.57% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 707 17TH ST DENVER, CO 80202 | COLONIAL LIFE | $367 | — | $367 | 1.13% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE | $208 | $43 | $251 | 0.77% |
| LINDA W OLGUIN3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE | $166 | $18 | $184 | 0.57% |
| LAUREL GUARDADO3 | 2012 S GALAPAGO ST DENVER, CO 80223 | COLONIAL LIFE | $85 | $48 | $133 | 0.41% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA GROUP INSURANCE | $2K | $181 | $2K | 9.41% |
| NATIONAL BENEFIT CEMTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | — | $873 | $873 | 3.47% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA GROUP INSURANCE | $330 | $28 | $358 | 1.42% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | — | $132 | $132 | 0.53% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH STREET GREELEY, CO 80634 | EYE MED (VISION) | $904 | — | $904 | 6.74% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: SHIRAZI BENEFITS LLC - USE 20206420 | 8205 W 20TH STREET GREELEY, CO 80634 | EYE MED (VISION) | $113 | — | $113 | 0.84% |
| BETA HEALTH ASSOCIATION3 | 9725 E HAMPDEN AVE, STE 400 DENVER, CO 80231 | EYE MED (VISION) | $91 | — | $91 | 0.68% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI BENEFITS LLC | 5205 W 20TH STREET GREELEY, CO 80634 | BETA HEALTH | $1K | — | $1K | 14.26% |
| SUSAN ALLEY4 | 8687 BLUEBUNCH CT. PARKER, CO 80134 | PRE-PAID LEGAL SERVICES, INC., DBA LEGALSHIELD | $938 | — | $938 | 12.08% |
| DORIS RATSCH, INC.4 Filed as: DORIS RATSCH INC. | UNIT 8 2222 HIGHWAY 66 ESTES PARK, CO 80517 | PRE-PAID LEGAL SERVICES, INC., DBA LEGALSHIELD | $27 | — | $27 | 0.35% |
| REBECCA M HUNT4 | 208 N 45TH AVE CT. GREELEY, CO 80634 | PRE-PAID LEGAL SERVICES, INC., DBA LEGALSHIELD | $22 | — | $22 | 0.28% |
| DONALD E BRITT4 | 12000 E HARVARD AVE AURORA, CO 80014 | PRE-PAID LEGAL SERVICES, INC., DBA LEGALSHIELD | $13 | — | $13 | 0.17% |
| MARK KREKELER4 | UNIT D 6815 S WEBSTER STREET LITTLETON, CO 80128 | PRE-PAID LEGAL SERVICES, INC., DBA LEGALSHIELD | $7 | — | $7 | 0.09% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 194 | $557K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE | 59 | $43K |
| Vision | EYE MED (VISION) | 173 | $13K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE | 229 | $58K |
| Other(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 229 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.