| 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 | 4.44% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 3.96% |
| MOUNTAIN WEST INSURANCE3 | 100 EAST VICTORY WAY CRAIG, CO 81625 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.25% |
| MARK NEILL3 Filed as: MARK NEIL | 1414 HAWK PARKWAY, UNIT H2 PMB 162 MONTROSE, CO 81401 | VISION SERVICE PLAN | $2K | — | $2K | 3.91% |
| KATHERINE R ROSEBERRY3 Filed as: KATHERINE ROSEBERRY AND OTHER AGENT | 680 STEPHER COURT GRAND JUNCTION, CO 81507 | AFLAC | $791 | — | $791 | 3.76% |
| REX SWANSON3 Filed as: REX A. SWANSON | 1035 MARGO COURT APARTMENT A MONTROSE, CO 81401 | AFLAC | $720 | — | $720 | 3.42% |
| MARK NEILL3 Filed as: MARK D. NEILL | 1414 HAWK PARKWAY, UNIT H2 PMB 162 MONTROSE, CO 81401 | AFLAC | $169 | — | $169 | 0.80% |
| JUDITH J ROSEBERRY3 | 3439 NORTH 16TH AVENUE GOOD YEAR, AZ 85395 | AFLAC | $166 | — | $166 | 0.79% |
| THOMAS SCHEELE3 | 3890 SOUTH WOODLAWN ROAD ROCHELLE, IL 61088 | AFLAC | $130 | — | $130 | 0.62% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF, LLC | 121 ROCKY POINT COURT ACWORTH, GA 30101 | AFLAC | $126 | — | $126 | 0.60% |
| PATRICK M PECORARO3 Filed as: PATRICK PECORARO | 8180 SOUTH 700 EAST SUITE 120 SANDY, UT 84070 | AFLAC | $120 | — | $120 | 0.57% |
| PATRICK M PECORARO3 Filed as: PATRICK M. PECORARO | 8180 SOUTH 700 EAST, SUITE 120 SANDY, UT 84070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $427 | — | $427 | 3.21% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF, LLC | 121 ROCKY POINT COURT ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | — | $185 | 1.39% |
| DEANNA SWETNAM LLC3 Filed as: DEANNA SWETNAM, LLC | 518 GROUSE COURT GRAND JUNCTION, CO 81507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | — | $160 | 1.20% |
| REX SWANSON3 | 1035A AMARGO COURT MONTROSE, CO 81401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 1.08% |
| COLORADO INSURANCE CENTER3 | 100 EAST VICTORY WAY CRAIG, CO 81625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.95% |
| MJ INSURANCE3 Filed as: INDIA R. LEECH AND VARIOUS AGENTS | 374 RODELL DRIVE GRAND JUNCTION, CO 81507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.79% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.65% |
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 | 712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 226 | $45K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 551 | $121K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 551 | $121K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 709 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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.