| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK NEILL3 Filed as: MARK NEIL | 67787 OSPREY LANE MONTROSE, CO 81401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.13% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $4K | 3.84% |
| MOUNTAIN WEST INSURANCE3 | 100 EAST VICTORY WAY CRAIG, CO 81625 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.30% |
| MARK NEILL3 Filed as: MARK NEIL | 1414 HAWK PARKWAY, UNIT H2 PMB 162 MONTROSE, CO 81401 | VISION SERVICE PLAN | $2K | — | $2K | 4.40% |
| MJ INSURANCE3 Filed as: PATRICK PECORARO AND VARIOUS AGENTS | 8180 SOUTH 700 EAST, SUITE 120 SANDY, UT 84070 | AFLAC | $1K | $91 | $1K | 5.01% |
| REX SWANSON3 Filed as: REX A. SWANSON | 1035 MARGO COURT APARTMENT A MONTROSE, CO 81401 | AFLAC | $752 | — | $752 | 2.85% |
| LEVI RANGEL3 | 7150 WEST BULL RUN ROAD WASILLA, AK 99623 | AFLAC | $201 | $225 | $426 | 1.62% |
| MARK NEILL3 Filed as: MARK D. NEILL | 1414 HAWK PARKWAY, UNIT H2 PMB 162 MONTROSE, CO 81401 | AFLAC | $331 | — | $331 | 1.26% |
| KATHERINE R ROSEBERRY3 Filed as: KATHERINE R. ROSEBERRY | 660 STEPHER COURT GRAND JUNCTION, CO 81507 | AFLAC | $199 | $45 | $244 | 0.93% |
| JUDITH J ROSEBERRY3 Filed as: JUDITH J. ROSEBERRY | 3439 NORTH 16TH AVENUE GOOD YEAR, AZ 85395 | AFLAC | $196 | — | $196 | 0.74% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF, LLC | 121 ROCKY POINT COURT ACWORTH, GA 30101 | AFLAC | $147 | — | $147 | 0.56% |
| PATRICK M PECORARO3 Filed as: PATRICK M. PECORARO | 8180 SOUTH 700 EAST, SUITE 120 SANDY, UT 84070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $429 | — | $429 | 2.19% |
| MJ INSURANCE3 Filed as: COLORADO INS. AND VARIOUS AGENTS | 100 EAST VICTORY WAY CRAIG, CO 81625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $390 | — | $390 | 1.99% |
| DEANNA SWETNAM LLC3 Filed as: DEANNA SWETNAM, LLC | 518 GROUSE COURT GRAND JUNCTION, CO 81507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | — | $242 | 1.24% |
| REX SWANSON3 | 1035A AMARGO COURT MONTROSE, CO 81401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | — | $192 | 0.98% |
| CHRISTOPHER W HOFF3 Filed as: CHRISTOPHER HOFF PROFESSIONAL, LLC | 5665 MEADOWS ROAD, SUITE 140 LAKE OSWEGO, OR 97035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 0.94% |
| KATHERINE R ROSEBERRY3 Filed as: KATHERINE R. ROSEBERRY | 660 STEPHER COURT GRAND JUNCTION, CO 81507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.84% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.69% |
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 | 665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 176 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 496 | $115K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 496 | $115K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 664 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.