| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 3711 JOHN F KENNEDY PKWY SUITE 220 FORT COLLINS, CO 80525 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 4.15% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | DELTA DENTAL OF COLORADO | $795 | — | $795 | 0.76% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH ST GREELEY, CO 80634 | UNITED OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 7.61% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | UNITED OF OMAHA INSURANCE COMPANY | $850 | $0 | $850 | 2.39% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA INSURANCE COMPANY | $0 | $719 | $719 | 2.02% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH ST GREELEY, CO 80634 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.93% |
| SHIRAZI-MILLER BENEFITS LLC3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.62% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $612 | $0 | $612 | 2.38% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $390 | $390 | 1.52% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH ST GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.61% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $580 | $0 | $580 | 2.39% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $438 | $438 | 1.80% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 270 | $105K |
| Vision | VISION SERVICE PLAN | 132 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $26K |
| Long-term disability | UNITED OF OMAHA INSURANCE COMPANY | 156 | $36K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.