| 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 | 4.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 999228 PO BX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.94% |
| MOUNTAIN WEST INSURANCE3 | 100 E VICTORY WAY CRAIG, CO 81625 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $536 | — | $536 | 0.42% |
| MARK NEILL3 | 3410 WILLIAMS DR STE 420 MONTROSE, CO 81401 | VISION SERVICE PLAN | $2K | — | $2K | 3.32% |
| MARK NEILL3 | 3410 WILLIAMS DR #420-162 MONTROSE, CO 81401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 18.82% |
| REX SWANSON3 Filed as: REX A SWANSON | 1035 MARGO CT APT A MONTROSE, CO 81401 | AFLAC | $337 | — | $337 | 2.66% |
| THOMAS SCHEELE3 Filed as: THOMAS W SCHEELE | 600 E LINCOLN HWY, UNIT 17 DEKALB, IL 60115 | AFLAC | $130 | — | $130 | 1.03% |
| QUINCY C MCCOMAS3 | 19869 E BRUNSWICK DR AURORA, CO 80013 | AFLAC | $90 | — | $90 | 0.71% |
| JUDITH J ROSEBERRY3 | 3439 N 164TH AVE GOODYEAR, AZ 85395 | AFLAC | $83 | — | $83 | 0.66% |
| PATRICK M PECORARO3 | 8180 S 700 E, STE 120 SANDY, UT 84070 | AFLAC | $71 | — | $71 | 0.56% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF PROF LLC | 13580 SW CRESTLINE CT TIGARD, OR 97224 | AFLAC | $69 | — | $69 | 0.55% |
| KATHERINE R ROSEBERRY3 Filed as: KATHERINE ROSEBERRY LLC | 207 HIDEAWAY LN GRAND JUNCTION, CO 81503 | AFLAC | $60 | — | $60 | 0.47% |
| WILLIAM F WUNDERLICH3 | 1151 NW KITSAP TERRACE OAK HARBOR, WA 98277 | AFLAC | $56 | — | $56 | 0.44% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $43 | — | $43 | 0.34% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $42 | — | $42 | 0.33% |
| LARRY E HAAS3 | 2262 TANGLEWOOD RD GRAND JUNCTION, CO 81507 | AFLAC | $38 | — | $38 | 0.30% |
| DALE COOLEY3 | 22805 SE 271ST PL MAPLE VALLEY, WA 98038 | AFLAC | $31 | — | $31 | 0.24% |
| LEVI RANGEL3 | PO BOX 2582 SEWARD, AK 99664 | AFLAC | $31 | — | $31 | 0.24% |
| ASPEN R LLC3 | 752 MAIN AVE STE 201 DURANGO, CO 81301 | AFLAC | $30 | — | $30 | 0.24% |
| GEORGE P OWENS3 | 653 N ANTLER DR MT ZION, IL 62549 | AFLAC | $19 | — | $19 | 0.15% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY, STE 425 AURORA, CO 80016 | AFLAC | $17 | — | $17 | 0.13% |
| DEANNA SWETNAM LLC3 | 735 37 1/10 RD PALISADE, CO 81526 | AFLAC | $15 | — | $15 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAROLYN M BROWN | 2365 JEFFCOTT ST FORT MYERS, FL 33901 | AFLAC | $15 | — | $15 | 0.12% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $15 | — | $15 | 0.12% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $15 | — | $15 | 0.12% |
| PATRICK M PECORARO3 | 5088 S SANDPIPER DR APT 572 SALT LAKE CITY, UT 84117 | AFLAC | $14 | — | $14 | 0.11% |
| KATHERINE R ROSEBERRY3 | 207 HIDEAWAY LN GRAND JUNCTION, CO 81503 | AFLAC | $12 | — | $12 | 0.09% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $12 | — | $12 | 0.09% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $11 | — | $11 | 0.09% |
| KIEFER GROUP INSURANCE AGCY LLC3 Filed as: KIEFER GROUP INSURANCE AGCY, LLC | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $7 | — | $7 | 0.06% |
| ASPEN R KEATING3 | 596 ANNA RD IGNACIO, CO 81137 | AFLAC | $6 | — | $6 | 0.05% |
| JO ANNE ALLEN LLC3 | 6110 LAGOLONDRINA CT WHITEWATER, CO 81527 | AFLAC | $4 | — | $4 | 0.03% |
| GREGORY J SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $3 | — | $3 | 0.02% |
| CYNTHIA MYER3 | 2333 COUNTY ROAD 250 DURANGO, CO 81301 | AFLAC | $3 | — | $3 | 0.02% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $2 | — | $2 | 0.02% |
| LAWRENCE A ELMORE3 | PO BOX 244 MORRISON, CO 80465 | AFLAC | $2 | — | $2 | 0.02% |
| TANYA L MARTINSON3 | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $2 | — | $2 | 0.02% |
| DEBRA GAPP3 Filed as: DEBRA GAPP LLC | 20302 STONE FALLS CT CYPRESS, TX 77433 | AFLAC | $1 | — | $1 | 0.01% |
| SARA BRIERY3 Filed as: SARA E BRIERY | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 | Plan Administrator; Other services; Claims processing Service code 12 | — | $161K |
| AETNA - PPO EIN 06-6033492 | Claims processing; Other services Service code 12 | — | $50K |
| CHANGE HEALTHCARE EIN 20-5716594 | Other services; Claims processing Service code 12 | — | $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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 289 | $61K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 538 | $140K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 538 | $140K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 476 | $620K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 700 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.