| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET BUILDING A SUITE 101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.89% |
| VB ADVISORS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $14K | 4.45% |
| VB ADVISORS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $1K | $34K | 15.56% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 4312 BROOKSTONE COURT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.26% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | P.O. BOX 270550 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.98% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $769 | — | $769 | 1.36% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $517 | — | $517 | 0.91% |
| KYLE PROBASCO3 | P.O. BOX 271442 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $273 | — | $273 | 0.48% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 0.38% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.17% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.10% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.10% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 10.45% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | 1700 BROADWAY STREET SUITE 1000 DENVER, CO 80290 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $651 | — | $651 | 1.18% |
| VOLK & BELL BENEFITS LLC3 | 2002 CARIBOU DRIVE SUITE 101 FORT COLLINS, CO 80525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $496 | — | $496 | 1.96% |
| VB ADVISORS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $90 | $2K | 10.45% |
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 | 727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 546 | $422K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 389 | $55K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 727 | $544K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 727 | $343K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 727 | $325K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 727 | $626K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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.