| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANCINE BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $8K | $14 | $8K | 4.79% |
| MARY JO ARNOLD3 | 4827 EXPEDITION DR COLORADO SPRINGS, CO 80911 | AFLAC | $4K | $103 | $5K | 2.64% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $3K | $186 | $3K | 1.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JUDITH BROWN | 12209 APACHE AVE NE ALBUQUERQUE, NM 87112 | AFLAC | $3K | $115 | $3K | 1.56% |
| LOUISA CRISTINA LEPISTO3 | P O BOX 36685 ALBUQUERQUE, NM 87176 | AFLAC | $2K | $115 | $2K | 1.30% |
| CHARLOTTE A CASTILLO3 | 3308 EL MALECON RD NW ALBUQUERQUE, NM 87120 | AFLAC | $2K | $123 | $2K | 1.28% |
| KATHERINE ANDERSON3 | 8601 TURNPIKE DR, STE 206 WESTMINSTER, CO 80031 | AFLAC | $2K | $43 | $2K | 1.14% |
| LAWRENCE L CASTILLO3 | 3308 EL MALECON RD NW ALBUQUERQUE, NM 87120 | AFLAC | $1K | $87 | $1K | 0.82% |
| LISA HALL3 | 8601 TURNPIKE DR, STE 206 WESTMINSTER, CO 80031 | AFLAC | $1K | — | $1K | 0.78% |
| ANDREW MARCHI3 | 28 CERRO DEL ALAMO SANTA FE, NM 87507 | AFLAC | $954 | $30 | $984 | 0.58% |
| EZEQUIEL BUCCI TORRES3 | 3712 CHELWOOD DR NE ALBUQUERQUE, NM 87111 | AFLAC | $726 | $40 | $766 | 0.45% |
| THOMAS J PITZENBERGER3 | 1200 NW SOUTH OUTER RD, STE 116 BLUE SPRINGS, MO 64015 | AFLAC | $609 | $21 | $630 | 0.37% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 800 ROCKMEAD DR, STE 208 KINGWOOD, TX 77339 | AFLAC | $609 | — | $609 | 0.36% |
| RYAN DAVID BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $556 | $14 | $570 | 0.33% |
| CHRISTIE E BENNESON3 | 3204 N ACADEMY BLVD, STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $531 | — | $531 | 0.31% |
| DOUGLAS J CASAS3 | 1808 PEDREGOSO CT SE ALBUQUERQUE, NM 87123 | AFLAC | $526 | — | $526 | 0.31% |
| JEREMY CONGO3 | 10400 ACADEMY RD NE, STE 345 ALBUQUERQUE, NM 87111 | AFLAC | $416 | $87 | $503 | 0.30% |
| KEVIN LORENZEN3 | 109 DIAMOND TAIL RD PLACITAS, NM 87043 | AFLAC | $499 | — | $499 | 0.29% |
| TANYA RAE BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $413 | — | $413 | 0.24% |
| RUSSELL PAUL PECK3 | 1804 SUMMIT CT ROANOKE, TX 76262 | AFLAC | $398 | — | $398 | 0.23% |
| TONYA M DORMAN3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $390 | — | $390 | 0.23% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $372 | — | $372 | 0.22% |
| FREDERIC H BROWNELL3 | 20 CERRO ALTO RD LAMY, NM 87540 | AFLAC | $296 | $27 | $323 | 0.19% |
| VERONICA YVONNE BUTLER3 | 223 N GUADALUPE ST 529 SANTA FE, NM 87501 | AFLAC | $296 | $27 | $323 | 0.19% |
| JON CORDONIER3 | 15445 ELBERT RD PEYTON, CO 80831 | AFLAC | $283 | — | $283 | 0.17% |
| BRENDA J MCGINNIS3 | 5003 PATRIOT PARK CIR SE OWENS CROSS ROADS, AL 35763 | AFLAC | $280 | — | $280 | 0.16% |
| DANIEL E YOUNG3 | 2442 VALLEY PARK DR LARKSPUR, CO 80118 | AFLAC | $279 | — | $279 | 0.16% |
| ROGER D MATHEWS3 | 4701 SOUTHERN AVE SE ALBUQUERQUE, NM 87108 | AFLAC | $253 | — | $253 | 0.15% |
| BILLY WAYNE O'CONNOR3 | 1309 N PRINCE EDWARDS IS OLATHE, KS 66061 | AFLAC | $224 | $21 | $245 | 0.14% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $240 | — | $240 | 0.14% |
| JACQUELINE JEAN YEAGER3 | P O BOX 3185 CARLSBAD, NM 88221 | AFLAC | $225 | — | $225 | 0.13% |
| JAMES M GARNER3 | 6059 S QUEBEC ST, STE 100 CENTENNIAL, CO 80111 | AFLAC | $130 | $43 | $173 | 0.10% |
| JAMES B WORLEY3 | 17070 GALAPAGO CT BROOMFIELD, CO 80023 | AFLAC | $163 | — | $163 | 0.10% |
| VINCENT CHARLES MCDOWELL3 | 2267 E 25TH ST IDAHO FALLS, ID 83404 | AFLAC | $132 | — | $132 | 0.08% |
| MICHAEL KAUFMAN3 | 3818 LOS ALTOS AVE NE RIO RANCHO, NM 87124 | AFLAC | $119 | — | $119 | 0.07% |
| PAUL J MALO3 | P O BOX 38 FIRESTONE, CO 80520 | AFLAC | $115 | — | $115 | 0.07% |
| LAURA BUCK3 | P O BOX 581 ROCKY FORD, CO 81067 | AFLAC | $112 | — | $112 | 0.07% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W, STE 300 ENGLEWOOD, CO 80112 | AFLAC | $31 | $72 | $103 | 0.06% |
| MICHELE K WILLEY3 | 1517 BROADWAY, STE 110 SCOTTSBLUFF, NE 69361 | AFLAC | $78 | $20 | $98 | 0.06% |
| SHARON DEBUS MOLLENDOR3 Filed as: SHARON K DEBUS MOLLENDOR | 13524 NEW LIGHT RD RALEIGH, NC 27614 | AFLAC | $93 | — | $93 | 0.05% |
| CHARLES HUGH MACKAY3 | 3203 ODYSSEY LAKE CIR S BRUNSWICK, GA 31525 | AFLAC | $77 | — | $77 | 0.05% |
| TRAVIS L WILLEY3 | 13724 OAKWOOD DR BAXTER, MN 56425 | AFLAC | $58 | $8 | $66 | 0.04% |
| JOSH MURILLO3 | 5959 GATEWAY BLVD W, STE 620 EL PASO, TX 79925 | AFLAC | $65 | — | $65 | 0.04% |
| BRYAN R. DORMAN3 Filed as: BRYAN R DORMAN | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $63 | — | $63 | 0.04% |
| MATHEW P GAHM3 | 6754 SILVERWIND CIRCLE COLORADO SPRINGS, CO 80923 | AFLAC | $62 | — | $62 | 0.04% |
| KATHRYN L KITE LLC3 | 2920 CARLISLE BLVD NE A-Z ALBUQUERQUE, NM 87110 | AFLAC | $51 | — | $51 | 0.03% |
| KATHRYN G KEMPTON3 | 837 RIFES FORD RD VERONA, VA 24482 | AFLAC | $50 | — | $50 | 0.03% |
| BRENDA JO ROBINETT3 | 570 CALIFORNIA ST STERLING, CO 80751 | AFLAC | $48 | — | $48 | 0.03% |
| GLEN MCKINNEY3 | P O BOX 173 POTTER, NE 69156 | AFLAC | $48 | — | $48 | 0.03% |
| ALAN LECLAIRE3 | 10600 CHEVROLET WAY, STE 202 ESTERO, FL 33928 | AFLAC | $46 | — | $46 | 0.03% |
| DANNIE JOHNSON3 Filed as: DANNIE C JOHNSON | P O BOX 336243 GREELEY, CO 80633 | AFLAC | $42 | $2 | $44 | 0.03% |
| BROCK POWELL3 | 400 DABNEY DR, APT 1 LEXINGTON, KY 40509 | AFLAC | $43 | — | $43 | 0.03% |
| H PATRICK BRUMLEY3 | 4 GLENDALE CT TROPHY CLUB, TX 76262 | AFLAC | $41 | — | $41 | 0.02% |
| LINDSAY A LIJEWSKI3 Filed as: LINDSAY A HANSEN | 9034 E EASTER PLACE, STE 202 CENTENNIAL, CO 80112 | AFLAC | $11 | $30 | $41 | 0.02% |
| JOYCE MARIE3 | 11718 GARWOOD DR MAGNOLIA, TX 77354 | AFLAC | $40 | — | $40 | 0.02% |
| ROBERT MOLLENDOR3 | 117 CORTEZ ST STERLING, CO 80751 | AFLAC | $40 | — | $40 | 0.02% |
| LESTER RAY BLACKSHEAR3 | 500 E FORT KING ST, STE A OCALA, FL 34471 | AFLAC | $38 | — | $38 | 0.02% |
| WILLIAM R ANNETT III3 | P O BOX 1147 LOVELAND, CO 80539 | AFLAC | $37 | — | $37 | 0.02% |
| KYLE L CURBY3 | 615 MONTEREY DR KELLER, TX 76248 | AFLAC | $35 | — | $35 | 0.02% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $30 | — | $30 | 0.02% |
| TODD E SHENBERGER3 | 3620 WYOMING BLVD NE, SUITE 102G ALBUQUERQUE, NM 87111 | AFLAC | $29 | — | $29 | 0.02% |
| ERIC J LEGER3 | 10400 ACADEMY RD NE, STE 345 ALBUQUERQUE, NM 87111 | AFLAC | $27 | — | $27 | 0.02% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PL LITTLETON, CO 80130 | AFLAC | $26 | — | $26 | 0.02% |
| BEVERLY ANN SILSBY3 | 5228 ANCALA TRL NE ALBUQUERQUE, NM 87111 | AFLAC | $26 | — | $26 | 0.02% |
| WILLIAM W ARMSTRONG3 Filed as: WILLIAM W ARMSTONG | P O BOX 448 OGALLALA, NE 69153 | AFLAC | $25 | — | $25 | 0.01% |
| DONNIE J STORR3 | 1181 COLIBRI AVE NW LOS LUNAS, NM 87031 | AFLAC | $24 | — | $24 | 0.01% |
| DEBORAH A BROOKS3 | 1620 E 4TH ST, STE 114A NORTH PLATTE, NE 69101 | AFLAC | $18 | $6 | $24 | 0.01% |
| CHAD T ATWOOD3 | 1511 60TH AVE GREELEY, CO 80634 | AFLAC | $14 | $9 | $23 | 0.01% |
| RONALD A MONSON3 | 104 SAN CARLOS RD, CONDO G PUEBLO, CO 81005 | AFLAC | $22 | — | $22 | 0.01% |
| PREFERRED MARKETING CORP3 | 7402 KINGS RIVER CT HUMBLE, TX 77346 | AFLAC | $22 | — | $22 | 0.01% |
| RPM LTD3 | P O BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $22 | — | $22 | 0.01% |
| JOHN HOPKINS3 | 588 A OSAGE COURT ELIZABETHTOWN, KY 42701 | AFLAC | $20 | — | $20 | 0.01% |
| CARLY R WEEDMAN3 | 2442 TUSCAN HILLS LN LAS CRUCES, NM 88011 | AFLAC | $17 | — | $17 | 0.01% |
| JOYCE ANN MOODY3 | 1413 BRENTWOOD DR FORT COLLINS, CO 80521 | AFLAC | $16 | — | $16 | 0.01% |
| JOHN J MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $16 | — | $16 | 0.01% |
| DAVID B MOSKOWITZ3 | 6738 N 79TH PL SCOTTSDALE, AZ 85250 | AFLAC | $16 | — | $16 | 0.01% |
| TRENT J NIELSEN3 | 5575 S HUNT RD SALT LAKE CITY, UT 84117 | AFLAC | $16 | — | $16 | 0.01% |
| CYNTHIA D WELKEN-PLACE3 | 14710 W DODGE RD, STE 200 OMAHA, NE 68154 | AFLAC | $10 | $6 | $16 | 0.01% |
| HENRY E TOLBERT SR3 | P O BOX 56906 ALBUQUERQUE, NM 87187 | AFLAC | $15 | — | $15 | 0.01% |
| MIKE BROOMFIELD3 Filed as: MIKE W BROOMFIELD | O PRAIRIE HILLS ROAD MCCOOK, NE 69001 | AFLAC | $14 | — | $14 | 0.01% |
| LAURA M MARCOTTE3 | 426 ROSSUM DR LOVELAND, CO 80537 | AFLAC | $12 | $2 | $14 | 0.01% |
| CHARLOTTE COATON3 Filed as: CHARLOTTE LYNN COATON | 3401 QUEBEC ST, SUITE 8000 DENVER, CO 80207 | AFLAC | $3 | $10 | $13 | 0.01% |
| WILLIAM W ARMSTRONG3 Filed as: WILLIAM K ARMSTRONG | 707 S 201ST AVE ELKHORN, NE 68022 | AFLAC | $12 | — | $12 | 0.01% |
| LESLIE K KIMBROUGH3 | P O BOX 273488 BOCA RATON, FL 33427 | AFLAC | $12 | — | $12 | 0.01% |
| DANIEL L FRENCH3 | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $10 | $2 | $12 | 0.01% |
| LEWIS K GATHRIGHT JR3 | P O BOX 165 GOOCHLAND, VA 23063 | AFLAC | $11 | — | $11 | 0.01% |
| WILLIAM E CORDOVA3 | P O BOX 7950 SAN LUIS, AZ 85349 | AFLAC | $9 | — | $9 | 0.01% |
| VICTOR G LEWIS3 | 1860 FM 359 207 RICHMOND, TX 77406 | AFLAC | $9 | — | $9 | 0.01% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 4611 S 96TH ST, STE 101 OMAHA, NE 68127 | AFLAC | $9 | — | $9 | 0.01% |
| ED ELLISON3 | 1776 BLACK RIVER DR NE RIO RANCHO, NM 87144 | AFLAC | $9 | — | $9 | 0.01% |
| REGINA K SANTANGELO3 | 9034 E EASTER PLACE, STE 202 CENTENNIAL, CO 80112 | AFLAC | $2 | $7 | $9 | 0.01% |
| JENNIFER E MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $8 | — | $8 | 0.00% |
| LISA A ALMANZA3 | 5959 GATEWAY BLVD W, STE 655 EL PASO, TX 79925 | AFLAC | $8 | — | $8 | 0.00% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $7 | — | $7 | 0.00% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI & ASSOCIATES INC | 8205 W 20TH ST, STE A GREELEY, CO 80634 | AFLAC | $6 | — | $6 | 0.00% |
| NEVADA INS AGCY CO3 | 3724 LAKESIDE DR, SUITE 100 RENO, NV 89509 | AFLAC | $6 | — | $6 | 0.00% |
| GREG LITZ3 | 2005 GATEWAY DR GRAND FORKS, ND 58203 | AFLAC | $6 | — | $6 | 0.00% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $5 | — | $5 | 0.00% |
| CAROL JANZ3 | 3913 FLORENTINE DR LONGMONT, CO 80503 | AFLAC | $5 | — | $5 | 0.00% |
| DARCEE N BARACCO MAESTAS3 | 1000 GETTYSBURG WAY MODESTO, CA 95355 | AFLAC | $5 | — | $5 | 0.00% |
| LOUIE ALMANZA3 | 5959 GATEWAY BLVD W, STE 655 EL PASO, TX 79925 | AFLAC | $4 | — | $4 | 0.00% |
| MONTE HARNER3 Filed as: MONTE G HARNER | 1306 N MAIN ST FREMONT, NE 68025 | AFLAC | $4 | — | $4 | 0.00% |
| CHARLES JOSEPH LEOPOLD3 | 615 STATE HIGHWAY 165 PLACITAS, NM 87043 | AFLAC | $4 | — | $4 | 0.00% |
| HAL W WESLEY JR3 | 10000 SAN LEON DR DICKINSON, TX 77539 | AFLAC | $4 | — | $4 | 0.00% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTOIN RD, STE 6 RICHMOND, VA 23238 | AFLAC | $3 | — | $3 | 0.00% |
| HEIDI LYNN VALLE3 | 819 CALLE VERDE SE ALBUQUERQUE, NM 87123 | AFLAC | $3 | — | $3 | 0.00% |
| MARCELLA SAAVEDRA3 | 6041 SEQUOIA RD NW, APT D3 ALBUQUERQUE, NM 87120 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL BAUMAN3 Filed as: MICHAEL P BAUMAN | 11270 CRANSTON DR PEYTON, CO 80831 | AFLAC | $3 | — | $3 | 0.00% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD, STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.00% |
| KATHY WIEDEMANN3 | 7802 E OAKMOUNT ST WICHITA, KS 67226 | AFLAC | $2 | — | $2 | 0.00% |
| BERNICE ANN LOPEZ VALDEZ3 | 5109 ATHOS CT PUEBLO, CO 81005 | AFLAC | $0 | — | $0 | 0.00% |
| BRETT MCGINNIS3 | 5003 PATRIOT PARK CIR SE OWENS CROSS ROADS, AL 35763 | AFLAC | $0 | — | $0 | 0.00% |
| CINDY WRIGHT3 | 10187 E PEAKVIEW AVE ENGLEWOOD, CO 80111 | AFLAC | $0 | — | $0 | 0.00% |
| LEO SUPAK3 | 11800 WHILSHIRE BLVD NE ALBUQUERQUE, NM 87122 | AFLAC | $0 | — | $0 | 0.00% |
| SHARON L NOTHNAGEL3 | 1292 BANNER CIR ERIE, CO 80516 | AFLAC | $0 | — | $0 | 0.00% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $876 | — | $876 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 | Contract Administrator Service code 13 | — | $120K |
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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AFLAC | 368 | $274K |
| Short-term disability | AFLAC | 259 | $170K |
| Long-term disability | AFLAC | 259 | $170K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 312 | $343K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.