| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $8K | 2.74% |
| VB ADVISORS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $210 | $2K | 0.82% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $1K | $27K | 14.07% |
| VB ADVISORS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $143 | $3K | 1.55% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OR COLORADO LLC | 1700 BROADWAY STREET SUITE 1000 DENVER, CO 80290 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.26% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 4312 BROOKSTONE COURT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.19% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | P.O. BOX 270550 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.64% |
| VB ADVISORS LLC3 Filed as: VB ADVISORS, LLC | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $676 | — | $676 | 1.75% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $501 | — | $501 | 1.29% |
| KYLE PROBASCO3 | P.O. BOX 271442 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $285 | — | $285 | 0.74% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 0.53% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.28% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.16% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CO LLC | 4582 SOUTH ULSTER SUITE 600 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.45% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $369 | — | $369 | 2.05% |
| VB ADVISORS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $93 | $1K | 10.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167 | $13 | $180 | 1.46% |
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 | 776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 583 | $379K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 417 | $59K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 776 | $497K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 776 | $319K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 776 | $303K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 776 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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."
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.