| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK NEILL3 | 67787 OSPREY LN MONTROSE, CO 81401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE, STE 700 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $4K | 3.37% |
| MOUNTAIN WEST INSURANCE3 | 100 E VICTORY WAY CRAIG, CO 81625 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.04% |
| MARK NEILL3 Filed as: MARK NEIL | 3410 WILLIAMS DRIVE #420 MONTROSE, CO 814016474 | VISION SERVICE PLAN | $2K | — | $2K | 3.54% |
| MARK NEILL3 Filed as: MARK NEIL | 3410 WILLIAMS DRIVE #420-162 MONTROSE, CO 81401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 17.98% |
| REX SWANSON3 | 1035 MARGO CT APT A MONTROSE, CO 81401 | AFLAC | $589 | — | $589 | 3.28% |
| JUDITH J ROSEBERRY3 | 3439 N 164TH AVE GOODYEAR, AZ 85395 | AFLAC | $144 | — | $144 | 0.80% |
| THOMAS SCHEELE3 | 600 E LINCOLN HWY, UNIT 17 DEKLAB, IL 60115 | AFLAC | $130 | — | $130 | 0.72% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF LLC | 121 ROCKY POINT CT ACWORTH, GA 30101 | AFLAC | $121 | — | $121 | 0.67% |
| PATRICK M PECORARO3 Filed as: PATRICK PECORARO | 8180 SOUTH 700 EAST, STE 120 SANDY, UT 84070 | AFLAC | $106 | — | $106 | 0.59% |
| QUINCY C MCCOMAS3 Filed as: QUINCY MCCOMAS | 19869 E BRUNSWICK DR AURORA, CO 80013 | AFLAC | $90 | — | $90 | 0.50% |
| KATHERINE R ROSEBERRY3 Filed as: KATHERINE ROSEBERRY LLC | 660 STEPHER CT GRAND JUNCTION, CO 81507 | AFLAC | $83 | — | $83 | 0.46% |
| REBECCA HAAS3 | 2262 TANGLEWOOD RD GRAND JUNCTION, CO 81507 | AFLAC | $82 | — | $82 | 0.46% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $68 | — | $68 | 0.38% |
| WILLIAM F WUNDERLICH3 Filed as: WILLIAM WUNDERLICH | 1151 NW KITSAP TERRACE OAK HARBOR, WA 98277 | AFLAC | $57 | — | $57 | 0.32% |
| DEANNA SWETNAM LLC3 | 735 37 1/10 RD PALISADE, CO 81526 | AFLAC | $43 | — | $43 | 0.24% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $43 | — | $43 | 0.24% |
| MARK NEILL3 Filed as: MARK NEIL | 67787 OSPREY LN PMB #162 MONTROSE, CO 81401 | AFLAC | $37 | — | $37 | 0.21% |
| ASPEN R LLC3 | 752 MAIN AVE, STE 201 DURANGO, CO 81301 | AFLAC | $36 | — | $36 | 0.20% |
| PATRICIA COOLEY3 | 22805 SE 271ST PL MAPLE VALLEY, WA 98038 | AFLAC | $32 | — | $32 | 0.18% |
| LEVI RANGEL3 | PO BOX 2582 SEWARD, AK 99664 | AFLAC | $31 | — | $31 | 0.17% |
| JOHN THOMPSON3 | 6395 KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $30 | — | $30 | 0.17% |
| TINA WAY | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $20 | — | $20 | 0.11% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOS SANTOS 111 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $20 | — | $20 | 0.11% |
| GEORGE P OWENS3 Filed as: GEORGE OWENS | 653 N ANTLER DR MT ZION, IL 62549 | AFLAC | $17 | — | $17 | 0.09% |
| DEBRA GAPP3 Filed as: DEBRA GAPP LLC | 20302 STONE FALLS CT CYPRESS, TX 77433 | AFLAC | $16 | — | $16 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAROLYN BROWN | 2365 JEFFCOTT ST FORT MEYERS, FL 33901 | AFLAC | $15 | — | $15 | 0.08% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $12 | — | $12 | 0.07% |
| MARGUERITE E LEMMON-RINEHART3 Filed as: MARGUERITE LEMMON-RINEHART | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $11 | — | $11 | 0.06% |
| JO ANNE ALLEN LLC3 | 174 32 RD GRAND JUNCTION, CO 81503 | AFLAC | $10 | — | $10 | 0.06% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $7 | — | $7 | 0.04% |
| GREGORY SHARP3 | 702 E TH ST COAL VALLEY, IL 61240 | AFLAC | $3 | — | $3 | 0.02% |
| PATTI ELMORE3 | PO BOX 215 ANANOLA, HI 96703 | AFLAC | $3 | — | $3 | 0.02% |
| CYNTHIA MYER3 | 2333 COUNTY ROAD 250 DURANGO, CO 81301 | AFLAC | $3 | — | $3 | 0.02% |
| TANYA L MARTINSON3 Filed as: TANYA MARTINSON | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $3 | — | $3 | 0.02% |
| DAYTON RINEHART3 | 5026 BUBBLING CREEK LN, APT 104 MILLINGTON, TN 68053 | AFLAC | $2 | — | $2 | 0.01% |
| SARA BRIERY3 | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $1 | — | $1 | 0.01% |
| PATRICK M PECORARO3 | 3276 EAST DEL VERDE SALT LAKE CITY, UT 84109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $257 | — | $257 | 2.88% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF LLC | 121 ROCKY POINT CT ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 1.24% |
| DEANNA SWETNAM LLC3 | 518 GROUSE CT GRAND JUNCTION, CO 81507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 1.16% |
| REX SWANSON3 | 1035 MARGO CT APT A MONTROSE, CO 81401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 1.03% |
| COLORADO INSURANCE CENTER3 | 100 E VICTORY WAY CRAIG, CO 81625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.86% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.65% |
| INDIA R LEECH3 | 374 RODELL DR GRAND JUNCTION, CO 81507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.37% |
| KATHERINE R ROSEBERRY3 Filed as: KATHERINE ROSEBERRY LLC | 660 STEPHER CT GRAND JUNCTION, CO 81507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.22% |
| ASPEN R LLC3 | 752 MAIN AVE, STE 202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.16% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.11% |
| JEFFREY K HAWKINS3 | 24005 POINDEXTER RD LEES SUMMIT, MO 64086 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.11% |
| MTN WEST INSURANCE & FINANCIAL SVCS3 | 100 E VICTORY WAY CRAIG, CO 81625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOS SANTOS 111 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 | Other services; Plan Administrator Service code 14 | — | $201K |
| LOCKTON COMPANIES LLC EIN 20-3354970 | Securities brokerage commissions and fees Service code 71 | — | $15K |
| MOUNTAIN WEST INSURANCE EIN 52-2364820 | Securities brokerage commissions and fees Service code 71 | — | $15K |
| WESTERN HEALTHCARE ALLIANCE EIN 84-1159443 | Securities brokerage commissions and fees Service code 71 | — | $8K |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 254 | $55K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 528 | $124K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 528 | $124K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 464 | $777K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 702 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.