| 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. | — | $45K | $45K | 12.08% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI MILLER BENEFITS, LLC | 8205 W 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE CO. | $30K | — | $30K | 8.04% |
| VOLUNTARY SOLUTIONS INC3 | 509 S 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE | $2K | $1K | $4K | 9.41% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE | $1K | $259 | $2K | 4.39% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH STREET GREELEY, CO 80634 | COLONIAL LIFE | $1K | — | $1K | 3.31% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE | $589 | $154 | $743 | 1.97% |
| PATRIOT GROWTH INSURANCE SERVICES Filed as: PATRIOT GROWTH INSURANCE | DBA INTREPID CO DENVER, CO 80203 | COLONIAL LIFE | $145 | — | $145 | 0.39% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI-MILLER BENIFITS, LLC | 8205 W. 20TH ST. GREELEY, CO 80634 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS/CIGNA GROUP INSURANCE | $2K | $478 | $3K | 11.70% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS/CIGNA GROUP INSURANCE | -$26 | $956 | $930 | 3.90% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS/CIGNA GROUP INSURANCE | — | $25 | $25 | 0.10% |
| SHIRAZI-MILLER BENEFITS LLC | 8205 W 20TH STREET GREELEY, CO 80634 | BETA HEALTH | $601 | — | $601 | 14.24% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI-MILLER BENIFITS, LLC | 8205 W. 20TH ST. GREELEY, CO 80634 | CIGNA GROUP INSURANCE/NEW YORK LIFE | $141 | $55 | $196 | 11.58% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | CIGNA GROUP INSURANCE/NEW YORK LIFE | -$44 | $109 | $65 | 3.84% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA GROUP INSURANCE/NEW YORK LIFE | — | — | $0 | 0.00% |
| NATIONAL BENEFIT CEMTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE/NEW YORK LIFE | — | — | $0 | 0.00% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA GROUP INSURANCE/NEW YORK LIFE | — | — | $0 | 0.00% |
| NATIONAL BENEFIT CEMTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE/NEW YORK LIFE | — | — | $0 | 0.00% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI-MILLER BENIFITS, LLC | 8205 W. 20TH ST. GREELEY, CO 80634 | BETA HEALTH | $23 | — | $23 | 14.02% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO. | 90 | $374K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO. | 90 | $378K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO. | 90 | $373K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE | 137 | $61K |
| Other | CIGNA GROUP INSURANCE/NEW YORK LIFE | 137 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.