| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA Filed as: CIGNA HEALTH AND LIFE INSURANCE | PO BOX 20643 LEHIGH VALLEY, PA 18002 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $34K | $34K | 10.62% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI MILLER BENEFITS, LLC | 8205 W 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE CO. | $23K | — | $23K | 7.28% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | COLONIAL LIFE | $1K | $386 | $2K | 5.89% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE | $770 | $91 | $861 | 2.79% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH STREET GREELEY, CO 80634 | COLONIAL LIFE | $670 | — | $670 | 2.17% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE | $378 | $60 | $438 | 1.42% |
| PATRIOT GROWTH INSURANCE SERVICES Filed as: PATRIOT GROWTH INSURANCE | DBA INTREPID CO DENVER, CO 80203 | COLONIAL LIFE | $125 | — | $125 | 0.40% |
| 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 | $1K | $200 | $1K | 5.47% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS/CIGNA GROUP INSURANCE | — | $400 | $400 | 1.82% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI MILLER BENEFITS LLC | 8205 WEST 20TH STREET GREELEY, CO 80634 | NEW YORK LIKE GROUP BENEFIT SOLUTIONS | $485 | $97 | $582 | 12.00% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIKE GROUP BENEFIT SOLUTIONS | — | $142 | $142 | 2.93% |
| GCG FINANCIAL LLC Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NEW YORK LIKE GROUP BENEFIT SOLUTIONS | — | $77 | $77 | 1.59% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH STREET GREELEY, CO 80634 | BETA HEALTH | $413 | — | $413 | 14.99% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI-MILLER BENIFITS, LLC | 8205 W. 20TH ST. GREELEY, CO 80634 | BETA HEALTH | $3 | — | $3 | 14.29% |
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 | 97 | 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) | 97 | 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. | 97 | $316K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO. | 97 | $319K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO. | 97 | $316K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE | 137 | $53K |
| 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.