| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 Filed as: VOLK & BELL BENEFITS, LLC | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $18K | 6.39% |
| VOLK & BELL BENEFITS LLC3 Filed as: VOLK & BELL BENEFITS, LLC | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $2K | $38K | 18.39% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 4312 BROOKSTONE COURT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.01% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | P.O. BOX 270550 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.68% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $944 | — | $944 | 1.84% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $630 | — | $630 | 1.22% |
| KYLE PROBASCO3 | P.O. BOX 271442 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | — | $296 | 0.58% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $262 | — | $262 | 0.51% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.24% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.14% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.13% |
| VOLK & BELL BENEFITS LLC3 Filed as: VOLK & BELL BENEFITS, LLC | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.70% |
| VOLK & BELL BENEFITS LLC3 Filed as: VOLK & BELL BENEFITS, LLC | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $133 | $2K | 12.67% |
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 | 648 | 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) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPLITAN LIFE INSURANCE COMPANY | 1,036 | $387K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 271 | $36K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 648 | $484K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 648 | $294K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 648 | $277K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 648 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,036 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.