| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOC. LLC | 7600 EAST ORCHARD ROAD, SUITE 230S GREENWOOD VILLAGE, CO 80111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| KIMBERLY SCOTT3 | 6465 CLEARWATER DRIVE LOVELAND, CO 80538 | AFLAC | $482 | $4 | $486 | 6.85% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $357 | $0 | $357 | 5.04% |
| JERDIE R CROSSLAND3 Filed as: JERDIE CROSSLAND | 1298 S DEPEW STREET LAKEWOOD, CO 80232 | AFLAC | $341 | $7 | $348 | 4.91% |
| LAURA M MARCOTTE3 Filed as: LAURA PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $146 | $2 | $148 | 2.09% |
| MJ INSURANCE3 Filed as: STEVEN HANCOCK AND VARIOUS AGENTS | 2711 GOLD HILL DRIVE WYLIE, TX 75098 | AFLAC | $110 | $0 | $110 | 1.55% |
| TRACY BERNZOTT3 | 9784 SPRING HILL STREET LITTLETON, CO 80129 | AFLAC | $48 | $0 | $48 | 0.68% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY SATTERLEE | 4851 JAGER DRIVE NE, SUITE B RIO RANCHO, NM 87144 | AFLAC | $34 | $0 | $34 | 0.48% |
| UNKNOWN3 | UNKNOWN DENVER, CO 80211 | US LEGAL SERVICES OF WISCONSIN, INC. | $465 | $0 | $465 | 14.49% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $42K |
| Short-term disability | AFLAC | 9 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $42K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.