| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 23.24% |
| ELECIA J BELLMIRE3 Filed as: ELECIA J. BELLMIRE | 715 NORTH SLIGO STREET CORTEZ, CO 81321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 21.55% |
| STACY ERVIEN3 | 10 WEST MAIN STREET, SUITE 110 CORTEZ, CO 81321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.07% |
| ASPEN R LLC3 Filed as: ASPEN R, LLC | 752 MAIN AVENUE, SUITE 202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $868 | — | $868 | 3.28% |
| MERILOW INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $762 | $4K | 18.48% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $22K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 54 | $26K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.