| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $146 | $5K | 11.76% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $124 | $124 | 0.31% |
| JERDIE R CROSSLAND3 Filed as: JERDIE CROSSLAND | 1298 SOUTH DEPEW STREET LAKEWOOD, CO 80232 | AFLAC | $125 | $70 | $195 | 5.02% |
| MJ INSURANCE3 Filed as: KENNEDY MICHENER AND VARIOUS AGENTS | 950 SOUTH CHERRY STREET, SUITE 1222 DENVER, CO 80246 | AFLAC | $112 | $16 | $128 | 3.30% |
| KIMBERLY SCOTT3 | 1908 MESA GRANDE LOOP NE RIO RANCHO, NM 87144 | AFLAC | $60 | $16 | $76 | 1.96% |
| TRACY BERNZOTT3 | 9784 SPRING HILL STREET LITTLETON, CO 80129 | AFLAC | $48 | $0 | $48 | 1.24% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY SATTERLEE | 4351 JAGER DRIVE NE, SUITE J RIO RANCHO, NM 87144 | AFLAC | $47 | $0 | $47 | 1.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AFLAC | $39 | $0 | $39 | 1.00% |
| STEVEN HANCOCK3 | 2711 GOLD HILL DRIVE WYLIE, TX 75098 | AFLAC | $32 | $0 | $32 | 0.82% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $40K |
| Short-term disability | AFLAC | 8 | $4K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $40K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
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.