| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA Filed as: CIGNA HEALTH AND LIFE INSURANCE | P.O. BOX 20643 LEHIGH VALLEY, PA 18002 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $19K | $19K | 7.24% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI MILLER BENEFITS, LLC | 8205 W 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE CO. | $18K | — | $18K | 6.65% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | COLONIAL LIFE | $967 | $144 | $1K | 3.87% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE | $537 | $39 | $576 | 2.01% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH STREET GREELEY, CO 80634 | COLONIAL LIFE | $341 | — | $341 | 1.19% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE | $224 | $5 | $229 | 0.80% |
| PATRIOT GROWTH INSURANCE SERVICES Filed as: PATRIOT GROWTH INSURANCE | DBA INTREPID CO DENVER, CO 80203 | COLONIAL LIFE | $120 | — | $120 | 0.42% |
| CHRISTIAN KYLE STOUT3 | 26332 E ARCHER AVENUE AURORA, CO 80018 | COLONIAL LIFE | $2 | $4 | $6 | 0.02% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH STREET GREELEY, CO 806344697 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $194 | $3K | 13.53% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY AND FI | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 752511814 | METROPOLITAN LIFE INSURANCE COMPANY | $969 | $13 | $982 | 4.29% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH STREET GREELEY, CO 806344697 | METROPOLITAN LIFE INSURANCE COMPANY | $122 | $8 | $130 | 0.57% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INSURANCE AGENCY AND FI | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 752511814 | METROPOLITAN LIFE INSURANCE COMPANY | $40 | — | $40 | 0.17% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH STREET GREELEY, CO 80634 | BETA HEALTH | $118 | — | $118 | 15.03% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 96 | $268K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO. | 96 | $268K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO. | 96 | $268K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE | 96 | $52K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 96 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.