| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA GROUP INSURANCE - MEDICAL | $77K | — | $77K | 9.96% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA GROUP INSURANCE -DENTAL | $14K | — | $14K | 9.86% |
| SHIRZI MILLER BENEFITS3 | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA GROUP INSURANCE - LTD | $6K | $3K | $9K | 14.10% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE - LTD | — | $5K | $5K | 8.14% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | VISION SERVICE PLAN | $1K | — | $1K | 4.79% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS | 8205 WEST 20TH S GREELEY, CO 80634 | CIGNA GROUP INSURANCE - BASIC LIFE | $2K | $803 | $3K | 14.02% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE - BASIC LIFE | — | $2K | $2K | 7.95% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS | 8205 W 20TH ST GREELEY, CO 80634 | CIGNA GROUP INSURANCE - ACCIDENTAL DEATH | $302 | $122 | $424 | 14.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSUR CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $72K |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA GROUP INSURANCE - MEDICAL | 258 | $777K |
| Dental | CIGNA GROUP INSURANCE -DENTAL | 245 | $144K |
| Vision | VISION SERVICE PLAN | 236 | $28K |
| Life insurance | CIGNA GROUP INSURANCE - BASIC LIFE | 383 | $20K |
| Long-term disability | CIGNA GROUP INSURANCE - LTD | 383 | $61K |
| Other | CIGNA GROUP INSURANCE - ACCIDENTAL DEATH | 383 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.