| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOUNTAIN WEST INS & FIN SVCS, LLC3 Filed as: MOUNTAIN WEST INS. AND FIN. SVCS. | 480 WEST PARK DRIVE, SUITE 100 GRAND JUNCTION, CO 81505 | ROCKY MOUNTAIN HEALTH MAINTENANCE ORGANIZATION INC. | $25K | $0 | $25K | 3.40% |
| MOUNTAIN WEST INS & FIN SVCS, LLC3 Filed as: MOUNTAIN WEST INS. AND FIN. SVCS. | 100 EAST VICTORY WAY CRAIG, CO 81626 | DELTA DENTAL OF COLORADO | $6K | $0 | $6K | 9.98% |
| KARLA J SKUFCA3 Filed as: KARLA J. SKUFCA | 2868 EMILY DRIVE GRAND JUNTION, CO 81503 | AFLAC | $1K | $18 | $1K | 8.66% |
| JAMES L. SJERVEN3 | 480 WEST PARK DRIVE, SUITE 100 GRAND JUNCTION, CO 81505 | AFLAC | $395 | $4 | $399 | 3.10% |
| ANNETTE S WULFF3 Filed as: ANNETTE S. WULFF | 471 EAST SCENIC DRIVE GRAND JUNCTION, CO 81507 | AFLAC | $353 | $23 | $376 | 2.92% |
| DEANNA H. SWETNAM AND OTHER AGENTS3 | 230 FRONTIER STREET GRAND JUNCTION, CO 81503 | AFLAC | $354 | $10 | $364 | 2.83% |
| JO ANNE ALLEN LLC3 Filed as: JO ANNE ALLEN, LLC | 6110 LAGOLONDRINA COURT WHITEWATER, CO 81527 | AFLAC | $227 | $4 | $231 | 1.80% |
| AMY M BUCHANAN3 Filed as: AMY M. BUCHANAN | 1584 RIDGE ROAD DURANGO, CO 81303 | AFLAC | $183 | $4 | $187 | 1.45% |
| CYNTHIA MYER3 | 1584 RIDGE ROAD DURANGO, CO 81303 | AFLAC | $65 | $0 | $65 | 0.51% |
| MOUNTAIN WEST INS & FIN SVCS, LLC3 Filed as: MOUNTAIN WEST INS. AND FIN. SVCS. | 100 EAST VICTORY WAY CRAIG, CO 81626 | VISION SERVICE PLAN | $833 | $0 | $833 | 6.77% |
| MOUNTAIN WEST INS & FIN SVCS, LLC3 Filed as: MOUNTAIN WEST INS. AND FIN. SVCS. | 100 EAST VICTORY WAY CRAIG, CO 81626 | METROPOLITAN LIFE INSURANCE COMPANY | $994 | $0 | $994 | 15.00% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HEALTH MAINTENANCE ORGANIZATION INC. | 104 | $737K |
| Dental | DELTA DENTAL OF COLORADO | 156 | $65K |
| Vision | VISION SERVICE PLAN | 75 | $12K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 62 | $19K |
| Short-term disability | AFLAC | 17 | $13K |
| Prescription drug | ROCKY MOUNTAIN HEALTH MAINTENANCE ORGANIZATION INC. | 104 | $737K |
| Other(2 contracts, 2 carriers) | AFLAC | 62 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.