| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 8200 E 32ND ST NORTH WICHITA, KS 67226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $13K | $285 | $14K | 5.13% |
| JERDIE R CROSSLAND3 Filed as: JERDIE CROSSLAND | 1298 S DEPEW ST LAKEWOOD, CO 80232 | AFLAC | $2K | $13 | $2K | 6.32% |
| SUSAN N SCHULZ3 Filed as: SUSAN SCHULZ | 6643 FM 2187 RD SEALY, TX 77474 | AFLAC | $685 | — | $685 | 2.17% |
| LAURA M MARCOTTE3 Filed as: LAURA PROBASCO | 4928 SILVERWOOD DR JOHNSTOWN, CO 80534 | AFLAC | $433 | $15 | $448 | 1.42% |
| EDEN MICHELLE RIPINGILL3 Filed as: EDEN RIPINGILL | 1298 S DEPEW ST LAKEWOOD, CO 80232 | AFLAC | $339 | $52 | $391 | 1.24% |
| KIMBERLY SCOTT3 | 1908 MESA GRANDE LOOP NE RIO RANCHO, NM 87144 | AFLAC | $293 | $15 | $308 | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL FRENCH | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $83 | — | $83 | 0.26% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DR JOHNSTOWN, CO 80534 | AFLAC | $67 | — | $67 | 0.21% |
| TABITHA FOSTER3 | 5110 GRANITE ST LOVELAND, CO 80538 | AFLAC | $67 | — | $67 | 0.21% |
| MICHELLE LYNN FREEMAN3 | 14625 E COACHMAN DR COLORADO SPRINGS, CO 80908 | AFLAC | $62 | — | $62 | 0.20% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARRY RIGGS | 115 BAGGINS DR APT 204 FORT COLLINS, CO 80525 | AFLAC | $48 | — | $48 | 0.15% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $30 | — | $30 | 0.10% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $12 | — | $12 | 0.04% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $12 | — | $12 | 0.04% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 127 | $265K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 127 | $265K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 127 | $265K |
| Short-term disability | AFLAC | 16 | $32K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 127 | $265K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 127 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.