| 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. | — | $54K | $54K | 7.20% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE CO. | $45K | — | $45K | 5.91% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI MILLER BENEFITS, LLC | 8205 W 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE CO. | $2K | — | $2K | 0.33% |
| VOLUNTARY SOLUTIONS INC3 | 509 S 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE | $2K | $952 | $3K | 8.18% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE | $1K | $425 | $2K | 5.56% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH STREET GREELEY, CO 80634 | COLONIAL LIFE | $1K | $117 | $1K | 3.38% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE | $496 | $115 | $611 | 1.77% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 707 17TH ST DENVER, CO 80202 | COLONIAL LIFE | $266 | — | $266 | 0.77% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA GROUP INSURANCE | $3K | $495 | $3K | 9.67% |
| NATIONAL BENEFIT CEMTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | — | $1K | $1K | 3.53% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA GROUP INSURANCE | $340 | $67 | $407 | 1.29% |
| NATIONAL BENEFIT CEMTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | — | $149 | $149 | 0.47% |
| SHIRAZI-MILLER BENEFITS LLC | 8205 W 20TH STREET GREELEY, CO 80634 | COMPANION LIFE | $3K | — | $3K | 9.37% |
| BETA HEALTH ASSOCIATION Filed as: BETA HEALTH ASSOC INC | 6200 S SYRACUSE WAY STE 460 DENVER, CO 80111 | COMPANION LIFE | $2K | — | $2K | 4.99% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI - MILLER BENEFITS LLC | 8205 W 20TH STREET GREELEY, CO 80634 | EYE MED (VISION) | $1K | — | $1K | 8.09% |
| BETA HEALTH ASSOCIATION3 | 6200 SOUTH SYRACUSE WAY SUITE 460 GREENWOOD VILLAGE, CO 80111 | EYE MED (VISION) | — | $1K | $1K | 7.68% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI-MILLER BENEFITS DBA SHIRAZI | 8205 W 20TH STREET GREELEY, CO 80634 | EYE MED (VISION) | $234 | — | $234 | 1.51% |
| SHIRAZI-MILLER BENEFITS LLC | 8205 W 20TH STREET GREELEY, CO 80634 | BETA HEALTH | $1K | — | $1K | 14.25% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 212 | $755K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE | 66 | $41K |
| Vision | EYE MED (VISION) | 213 | $16K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE | 240 | $66K |
| Other | CIGNA GROUP INSURANCE | 240 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.