| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $10K | $474 | $10K | 6.53% |
| STACEY THOMAS CAMPBELL3 | 1617 14TH AVE GREELEY, CO 80631 | AFLAC | $2K | $191 | $2K | 1.23% |
| MARY JO ARNOLD3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $2K | — | $2K | 1.18% |
| PHILLIP RAY MIRANDA3 | 6116 SWEETWATER DR NW ALBUQUERQUE, NM 87120 | AFLAC | $2K | $50 | $2K | 1.01% |
| TONYA M DORMAN3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $931 | $137 | $1K | 0.68% |
| LAWRENCE L CASTILLO3 | 3308 EL MALECON RD NW ALBUQUERQUE, NM 87120 | AFLAC | $760 | $145 | $905 | 0.57% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $898 | — | $898 | 0.57% |
| BUSINESS DELIVERY SOLUTIONS, LLC3 | PO BOX 9721 PUEBLO, CO 81008 | AFLAC | $802 | $93 | $895 | 0.57% |
| FRANCINE BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $707 | — | $707 | 0.45% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.00% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $868 | — | $868 | 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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AFLAC | 421 | $288K |
| Short-term disability | AFLAC | 141 | $158K |
| Long-term disability | AFLAC | 141 | $158K |
| Other(3 contracts, 2 carriers) | GARDEN STATE LIFE INSURANCE CO | 421 | $952K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
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.