| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY JO ARNOLD3 Filed as: MARY ARNOLD | 4827 EXPEDITION DR COLORADO SPRINGS, CO 80911 | AFLAC | $5K | $263 | $5K | 2.75% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $5K | $161 | $5K | 2.51% |
| FRANCINE BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $2K | $646 | $3K | 1.54% |
| KATHERINE ANDERSON3 | 2977 HYDRA DR LOVELAND, CO 80537 | AFLAC | $1K | $144 | $2K | 0.85% |
| CHARLOTTE A CASTILLO3 | 3308 EL MALECON RD NW ALBUQUERQUE, NM 87120 | AFLAC | $1K | $100 | $2K | 0.81% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $854 | $161 | $1K | 0.53% |
| LAWRENCE L CASTILLO3 | 3308 EL MALECON RD NW ALBUQUERQUE, NM 87120 | AFLAC | $831 | $66 | $897 | 0.47% |
| CHRISTIE E BENNESON3 | 3204 N ACADEMY BLVD, STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $732 | $52 | $784 | 0.41% |
| LYNNE YAPLE3 | P O BOX 94415 ALBUQUERQUE, NM 87199 | AFLAC | $709 | — | $709 | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JUDITH BROWN | 12209 APACHE AVE NE ALBUQUERQUE, NM 87112 | AFLAC | $557 | $69 | $626 | 0.33% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $622 | — | $622 | 0.33% |
| DOUGLAS J CASAS3 | 1808 PEDREGOSO CT SE ALBUQUERQUE, NM 87123 | AFLAC | $585 | — | $585 | 0.31% |
| LARRY VAUGHN3 | 4103 N DUSTIN AVE FARMINGTON, NM 87401 | AFLAC | $504 | — | $504 | 0.26% |
| LOUISA CRISTINA LEPISTO3 Filed as: LOUISA LEPISTO | P O BOX 36685 ALBUQUERQUE, NM 87176 | AFLAC | $415 | $69 | $484 | 0.25% |
| KEVIN LORENZEN3 | 109 DIAMOND TAIL RD PLACITAS, NM 87043 | AFLAC | $482 | — | $482 | 0.25% |
| THOMAS PITZENBERGER3 | 1200 NW SOUTH OUTER RD, STE 116 BLUE SPRINGS, MO 64015 | AFLAC | $414 | $52 | $466 | 0.24% |
| TONYA M DORMAN3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $450 | — | $450 | 0.24% |
| RYAN DAVID BERTRAM3 Filed as: RYAN BERTRAM | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $399 | — | $399 | 0.21% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $385 | — | $385 | 0.20% |
| TANYA R BERTRAM3 Filed as: TANYA BERTRAM | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $349 | — | $349 | 0.18% |
| CLINT WEIGHT3 | 3204 N ACADEMY BLVD, STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $336 | — | $336 | 0.18% |
| JON CORDONIER3 | 15445 ELBERT RD PEYTON, CO 80831 | AFLAC | $327 | — | $327 | 0.17% |
| DANIEL E YOUNG3 | 2442 VALLEY PARK DR LARKSPUR, CO 80118 | AFLAC | $323 | — | $323 | 0.17% |
| BRENDA J MCGINNIS3 | 90 BRASWELL RD GUNTERSVILLE, AL 35976 | AFLAC | $317 | — | $317 | 0.17% |
| ANDREW MARCHI3 | 28 CERRO DEL ALAMO SANTA FE, NM 87507 | AFLAC | $221 | $61 | $282 | 0.15% |
| EZEQUIEL BUCCI TORRES3 | 3712 CHELWOOD DR NE ALBUQUERQUE, NM 87111 | AFLAC | $216 | $55 | $271 | 0.14% |
| JACQUELINE JEAN YEAGER3 | P O BOX 3185 CARLSBAD, NM 88221 | AFLAC | $263 | — | $263 | 0.14% |
| BILLY WAYNE O'CONNOR3 | 1309 N PRINCE EDWARDS IS OLATHE, KS 66061 | AFLAC | $257 | — | $257 | 0.13% |
| DONNIE J STORR3 | 1181 COLIBRI AVE NW LOS LUNAS, NM 87031 | AFLAC | $253 | — | $253 | 0.13% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $249 | — | $249 | 0.13% |
| RUSSELL PAUL PECK3 Filed as: RUSSELL PECK | 1804 SUMMIT CT ROANOKE, TX 76262 | AFLAC | $246 | — | $246 | 0.13% |
| FREDERIC H BROWNELL3 Filed as: FREDERIC BROWNELL | 20 CERRO ALTO RD LAMY, NM 87540 | AFLAC | $210 | $6 | $216 | 0.11% |
| JAMES M GARNER3 Filed as: JAMES WORLEY | 17070 GALAPAGO CT BROOMFIELD, CO 80023 | AFLAC | $151 | — | $151 | 0.08% |
| LORRAINEE MALO3 | 10254 DOGWOOD ST FIRESTONE, CO 80504 | AFLAC | $136 | — | $136 | 0.07% |
| LAURA BUCK3 | P O BOX 581 ROCKY FORD, CO 81067 | AFLAC | $132 | — | $132 | 0.07% |
| MICHAEL KAUFMAN3 | 3818 LOS ALTOS AVE NE RIO RANCHO, NM 87124 | AFLAC | $127 | — | $127 | 0.07% |
| JAMES M GARNER3 Filed as: JAMES GARNER | 7995 E PRENTICE AVE, STE 106 GREENWOOD VILLAGE, CO 80111 | AFLAC | $111 | — | $111 | 0.06% |
| SHARON DEBUS MOLLENDOR3 | 13524 NEW LIGHT RD RALEIGH, NC 27614 | AFLAC | $107 | — | $107 | 0.06% |
| VINCENT CHARLES MCDOWELL3 Filed as: VINCENT MCDOWELL | 1426 E IRON EAGLE DR EAGLE, ID 83616 | AFLAC | $97 | — | $97 | 0.05% |
| CHARLES HUGH MACKAY3 | 3203 ODYSSEY LAKE CIR S BRUNSWICK, GA 31525 | AFLAC | $84 | — | $84 | 0.04% |
| MATHEW P GAHM3 Filed as: MATHEW GAHM | 6754 SILVERWIND CIRCLE COLORADO SPRINGS, CO 80923 | AFLAC | $72 | — | $72 | 0.04% |
| JOSH MURILLO3 | 5959 GATEWAY BLVD W, STE 620 EL PASO, TX 79925 | AFLAC | $69 | — | $69 | 0.04% |
| MICHELE K WILLEY3 Filed as: MICHELE WILLEY | 315 E RIVER RD STE 202 BRAINERD, MN 56401 | AFLAC | $64 | — | $64 | 0.03% |
| JEREMY CONGO3 | 12101 SIGNAL AVE NE ALBUQUERQUE, NM 87122 | AFLAC | $63 | — | $63 | 0.03% |
| BRENDA JO ROBINETT3 | 570 CALIFORNIA ST STERLING, CO 80751 | AFLAC | $63 | — | $63 | 0.03% |
| ROGER D MATHEWS3 Filed as: ROGER MATHEWS | 331 E PEARL STREET SPT 3 NESHKORD, WI 54960 | AFLAC | $42 | $21 | $63 | 0.03% |
| VERONICA YVONNE BUTLER3 Filed as: VERONICA BUTLER | 223 N GUADALUPE ST 529 SANTA FE, NM 87501 | AFLAC | $56 | $6 | $62 | 0.03% |
| KATHRYN G KEMPTON3 | 837 RIFES FORD RD VERONA, VA 24482 | AFLAC | $59 | — | $59 | 0.03% |
| KATHRYN L KITE LLC3 | 2920 CARLISLE BLVD NE A-Z ALBUQUERQUE, NM 87110 | AFLAC | $59 | — | $59 | 0.03% |
| GLEN MCKINNEY3 | P O BOX 173 POTTER, NE 69156 | AFLAC | $57 | — | $57 | 0.03% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $53 | — | $53 | 0.03% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $32 | $21 | $53 | 0.03% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $27 | $21 | $48 | 0.03% |
| JANET VAUGHN3 | 4103 N DUSTIN AVENUE FARMINGTON, MN 87401 | AFLAC | $47 | — | $47 | 0.02% |
| JOYCE MARIE3 | 11718 GARWOOD DR MAGNOLIA, TX 77354 | AFLAC | $47 | — | $47 | 0.02% |
| BROCK POWELL3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $47 | — | $47 | 0.02% |
| H BRUMLEY3 | 4 GLENDALE CT TROPHY CLUB, TX 76262 | AFLAC | $46 | — | $46 | 0.02% |
| ROBERT MOLLENDOR3 | 117 CORTEZ ST STERLING, CO 80751 | AFLAC | $46 | — | $46 | 0.02% |
| WILLIAM R ANNETT III3 | P O BOX 1147 LOVELAND, CO 80539 | AFLAC | $44 | — | $44 | 0.02% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 816 ACOMA ST UNIT 215 DENVER, CO 80204 | AFLAC | $41 | — | $41 | 0.02% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $34 | — | $34 | 0.02% |
| TODD E SHENBERGER3 | 3620 WYOMING BLVD NE, SUITE 6033 ALBUQUERQUE, NM 87111 | AFLAC | $34 | — | $34 | 0.02% |
| LINDSAY LIJEWSKI3 | 9034 E EASTER PLACE, STE 202 CENTENNIAL, CO 80112 | AFLAC | $32 | — | $32 | 0.02% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PL LITTLETON, CO 80130 | AFLAC | $31 | — | $31 | 0.02% |
| BEVERLY ANN SILSBY3 Filed as: BEVERLY SILSBY | 5228 ANCALA TRL NE ALBUQUERQUE, NM 87111 | AFLAC | $30 | — | $30 | 0.02% |
| WILLIAM ARMSTRONG3 | P O BOX 448 OGALLALA, NE 69153 | AFLAC | $30 | — | $30 | 0.02% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $30 | — | $30 | 0.02% |
| BRYAN R. DORMAN3 Filed as: BRYAN DORMAN | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $29 | — | $29 | 0.02% |
| KYLE CURBY3 | 429 JESSIE ST KELLER, TX 76248 | AFLAC | $28 | — | $28 | 0.01% |
| ERIC LEGER3 | 10400 ACADEMY RD NE STE 345 ALBUQUERQUE, NM 87111 | AFLAC | $28 | — | $28 | 0.01% |
| RONALD A MONSON3 Filed as: RONALD MONSON | 104 SAN CARLOS RD CONDA G PUEBLO, CO 81005 | AFLAC | $26 | — | $26 | 0.01% |
| PREFERRED MARKETING CORP3 | 1194 E LAKEVIEW DR SAN TAN VALLEY, AZ 85143 | AFLAC | $25 | — | $25 | 0.01% |
| RPM LTD3 | P O BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $24 | — | $24 | 0.01% |
| REGINA K SANTANGELO3 | 9034 E EASTER PLACE, STE 202 CENTENNIAL, CO 80112 | AFLAC | $21 | — | $21 | 0.01% |
| CARLY R WEEDMAN3 Filed as: CARLY WEEDMAN | 2442 TUSCAN HILLS LN LAS CRUCES, NM 88011 | AFLAC | $20 | — | $20 | 0.01% |
| JOHN MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $19 | — | $19 | 0.01% |
| DAVID B MOSKOWITZ3 Filed as: DAVID MOSKOWITZ | 6738 N 79TH PL SCOTTSDALE, AZ 85250 | AFLAC | $19 | — | $19 | 0.01% |
| JOYCE ANN MOODY3 Filed as: JOYCE MOODY | 1413 BRENDWOOD DR FORT COLLINS, CO 80521 | AFLAC | $18 | — | $18 | 0.01% |
| HENRY E TOLBERT SR3 Filed as: HENRY TOLBERT SR | 8201 GOLF COURSE RD NW STE D3 #115 ALBUQUERQUE, NM 87120 | AFLAC | $18 | — | $18 | 0.01% |
| DEBORAH A BROOKS3 Filed as: DEBORAH BROOKS | 1620 E 4TH ST STE 114A NORTH PLATTE, NE 69101 | AFLAC | $17 | — | $17 | 0.01% |
| CHAD ATWOOD3 | 1511 60TH AVE GREELEY, CO 80634 | AFLAC | $17 | — | $17 | 0.01% |
| JOHN HOPKINS3 | 588 A OSAGE COURT ELIZABETHTOWN, KY 42701 | AFLAC | $16 | — | $16 | 0.01% |
| TRAVIS L WILLEY3 Filed as: TRAVIS WILLEY | 13724 OAKWOOD DR BAXTER, MN 56425 | AFLAC | $16 | — | $16 | 0.01% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 8545 SW 88TH TER OCALA, FL 34481 | AFLAC | $15 | — | $15 | 0.01% |
| MIKE BROOMFIELD3 | O PRAIRIE HILLS ROAD MCCOOK, NE 69001 | AFLAC | $15 | — | $15 | 0.01% |
| WILLIAM ARMSTRONG3 | 707 S 201ST AVE ELKHORN, NE 68022 | AFLAC | $14 | — | $14 | 0.01% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | P O BOX 165 GOOCHLAND, VA 23063 | AFLAC | $14 | — | $14 | 0.01% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY SATTERLEE | 10400 ACADEMY RD NE STE 345 ALBUQUERQUE, NM 87111 | AFLAC | $8 | $6 | $14 | 0.01% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P O BOX 273488 BOCA RATON, FL 33427 | AFLAC | $13 | — | $13 | 0.01% |
| TRENT NIELSEN3 | 5575 S HUNT RD SALT LAKE CITY, UT 84117 | AFLAC | $12 | — | $12 | 0.01% |
| ED ELLISON3 | 1776 BLACK RIVER DR NE RIO RANCHO, NM 87144 | AFLAC | $11 | — | $11 | 0.01% |
| WILLIAM E CORDOVA3 Filed as: WILLIAM CORDOVA | P O BOX 7950 SAN LUIS, AZ 85349 | AFLAC | $11 | — | $11 | 0.01% |
| LISA A ALMANZA3 Filed as: LISA ALMANZA | 5959 GATEWAY BLVD W, STE 655 EL PASO, TX 79925 | AFLAC | $11 | — | $11 | 0.01% |
| VICTOR G LEWIS3 Filed as: VICTOR LEWIS | 1860 FM 359 207 RICHMOND, TX 77406 | AFLAC | $10 | — | $10 | 0.01% |
| DANNIE JOHNSON3 | P O BOX 336243 GREELEY, CO 80633 | AFLAC | $10 | — | $10 | 0.01% |
| VERNON P HERRERA3 Filed as: VERNON HERRERA | P O BOX 310 SANTA FE, NM 87504 | AFLAC | $10 | — | $10 | 0.01% |
| MARK FRIEHE3 | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | AFLAC | $9 | — | $9 | 0.00% |
| JENNIFER MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $9 | — | $9 | 0.00% |
| KEVIN B VINING3 Filed as: KEVIN VINING | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $9 | — | $9 | 0.00% |
| CHARLOTTE COATON3 | 3401 QUEBEC ST, SUITE 8000 DENVER, CO 80207 | AFLAC | $8 | — | $8 | 0.00% |
| NEVADA INS AGCY CO3 | 3724 LAKESIDE DR SUITE 100 RENO, NV 89509 | AFLAC | $7 | — | $7 | 0.00% |
| GRET LITZ3 | 2005 GATEWAY DR GRAND FORKS, ND 58203 | AFLAC | $7 | — | $7 | 0.00% |
| BERNICE ANN LOPEZ VALDEZ3 | 5109 ATHOS CT PUEBLO, CO 81005 | 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% |
| LAURA M MARCOTTE3 Filed as: LAURA MARCOTTE | 426 ROSSUM DR LOVELAND, CO 80537 | AFLAC | $6 | — | $6 | 0.00% |
| LYNN MARIE BARRY3 Filed as: LYNN BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $6 | — | $6 | 0.00% |
| LOUIE ALMANZA3 | 5959 GATEWAY BLVD W, STE 655 EL PASO, TX 79925 | AFLAC | $5 | — | $5 | 0.00% |
| MONTE HARNER3 | 1306 N MAIN ST FREMONT, NE 68025 | AFLAC | $5 | — | $5 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL FRENCH | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $5 | — | $5 | 0.00% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 14710 W DODGE RD STE 200 OMAHA, NE 68154 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $4 | — | $4 | 0.00% |
| HEIDI LYNN VALLE3 Filed as: HEIDI VALLE | 819 CALLE VERDE SE ALBUQUERQUE, NM 87123 | AFLAC | $4 | — | $4 | 0.00% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $4 | — | $4 | 0.00% |
| SARA BRIERY3 | 492 LAKEVIEW DRIVE VILLA #40 PALM HARBOR, FL 34683 | AFLAC | $4 | — | $4 | 0.00% |
| HAL W WESLEY JR3 Filed as: HAL WESLEY JR | 10000 SAN LEON DR DICKINSON, TX 77539 | AFLAC | $4 | — | $4 | 0.00% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.00% |
| MARCELLA SAAVEDRA3 | 6041 SEQUOIA RD NW APT D3 ALBUQUERQUE, NM 87120 | AFLAC | $3 | — | $3 | 0.00% |
| TANYA L MARTINSON3 Filed as: TANYA MARTINSON | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $2 | — | $2 | 0.00% |
| PATTI ELMORE3 | P O BOX 215 ANANOLA, HI 86703 | AFLAC | $2 | — | $2 | 0.00% |
| KAREN LYNN GRACZYK3 Filed as: KAREN GRACZYK | 378 LEE ROAD 2194 PHENIX CITY, AL 36870 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES JOSEPH LEOPOLD3 Filed as: CHARLES LEOPOLD | 615 STATE HIGHWAY 165 PLACITAS, NE 87043 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON JR | 316 OAK SPRINGS DR DEBARY, FL 32713 | AFLAC | $1 | — | $1 | 0.00% |
| JOAQUIN M DAVILA3 Filed as: JOAQUIN DAVILA | 221 N KANSAS ST STE 729 EL PASO, TX 79901 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH R THOMASON3 Filed as: KENNETH THOMASON | 4610 N 134TH AVE OMAHA, NE 68164 | AFLAC | $0 | — | $0 | 0.00% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 7713 INDEPENDENCE PL CRESTWOOD, KY 40014 | AFLAC | $0 | — | $0 | 0.00% |
| DIANE L THOMPSON3 Filed as: DIANE THOMPSON | 12706 ROCK CREEK CT HUMBLE, TX 77346 | AFLAC | $0 | — | $0 | 0.00% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 1116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $0 | — | $0 | 0.00% |
| JEFFREY HIMMELRICK3 | 2215 W A STREET NORTH PLATTE, NE 69101 | AFLAC | $0 | — | $0 | 0.00% |
| DIANN KRZCIOK3 | 2682 GREAND FORKS RD HENDERSON, NV 89052 | AFLAC | $0 | — | $0 | 0.00% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | 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 | $896 | — | $896 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator Service code 13 | — | $178K |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AFLAC | 352 | $295K |
| Short-term disability | AFLAC | 208 | $191K |
| Long-term disability | AFLAC | 208 | $191K |
| Stop-loss / reinsurancereinsurance | US FIRE | 315 | $367K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 352 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.