| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS, LLC. | 8205 WEST 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | $1K | $28K | 6.20% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS, LLC. | 8205 WEST 20TH STREET GREELEY, CO 80634 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | $14K | $48K | 13.21% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS, LLC. | 8205 WEST 20TH STREET GREELEY, CO 80634 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $0 | $19K | 17.40% |
| CONTINUUMCLOUD LLC3 Filed as: CONTINUUMCLOUD, LLC. | 100 ASHLEY DRIVE SOUTH SUITE 1500 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.80% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS, LLC. | 8205 WEST 20TH STREET GREELEY, CO 80634 | VISION SERVICE PLAN | $6K | $0 | $6K | 9.26% |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 488 | $450K |
| Vision | VISION SERVICE PLAN | 479 | $62K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $362K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $362K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $362K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.