| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $10K | $435 | $10K | 6.12% |
| TONYA M DORMAN3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $2K | $209 | $2K | 1.47% |
| LAWRENCE L CASTILLO3 | 3308 EL MALECON RD NW ALBUQUERQUE, NM 87120 | AFLAC | $2K | — | $2K | 1.30% |
| STACEY THOMAS CAMPBELL3 | 1617 14TH AVE GREELEY, CO 80631 | AFLAC | $2K | $37 | $2K | 1.23% |
| MARY JO ARNOLD3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $2K | $0 | $2K | 1.12% |
| CYNTHIA D MOORE3 | 7579 NEBRASKA ROAD 4 PEETZ, CO 80747 | AFLAC | $2K | — | $2K | 1.08% |
| LYNNE YAPLE3 | PO BOX 94415 ALBUQUERQUE, NM 87199 | AFLAC | $2K | — | $2K | 0.92% |
| BUSINESS DELIVERY SOLUTIONS, LLC3 | PO BOX 9721 PUEBLO, CO 81008 | AFLAC | $1K | $74 | $1K | 0.72% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $926 | $184 | $1K | 0.66% |
| FRANCINE BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $925 | — | $925 | 0.55% |
| PHILLIP RAY MIRANDA3 | 6116 SWEETWATER DR NW ALBUQUERQUE, NM 87120 | AFLAC | $747 | $0 | $747 | 0.44% |
| CHARLOTTE A CASTILLO3 | 3308 EL MALECON RD NW ALBUQUERQUE, NM 87120 | AFLAC | $711 | $0 | $711 | 0.42% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $534 | — | $534 | 10.00% |
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 | 406 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AFLAC | 406 | $241K |
| Short-term disability | AFLAC | 178 | $168K |
| Long-term disability | AFLAC | 178 | $168K |
| Other(3 contracts, 2 carriers) | GARDEN STATE LIFE INSURANCE CO | 406 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.