| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST, STE 101 LONGMONT, CO 80501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $84K | $84K | 1.34% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST, STE 101 LONGMONT, CO 80501 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| AMY E GRIFFIN3 | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $447 | $11 | $458 | 2.73% |
| LAURA M MARCOTTE3 | 426 ROSSUM DR LOVELAND, CO 80537 | AFLAC | $410 | $3 | $413 | 2.46% |
| JOHN W BELL3 | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $271 | $5 | $276 | 1.64% |
| DANIEL L FRENCH3 | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $222 | $3 | $225 | 1.34% |
| JOYCE ANN MOODY3 | 1413 BRENTWOOD DR FORT COLLINS, CO 80521 | AFLAC | $191 | — | $191 | 1.14% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $109 | — | $109 | 0.65% |
| BEATRIZ PACATEQUE MELO3 Filed as: BEATRIZ A PACATEQUE MELO | K13 CALLE MARACAIBO URB PARK GDNS RIO PIEDRAS, PR 00926 | AFLAC | $89 | — | $89 | 0.53% |
| MR. KIM CUMMINGS3 Filed as: MR KIM CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $70 | — | $70 | 0.42% |
| ALLARD M MOODY3 | 1413 BRENTWOOD DR FORT COLLINS, CO 80521 | AFLAC | $63 | — | $63 | 0.38% |
| MANUEL A PACATEQUE MELO3 | PO BOX 8180 SAN JUAN, PR 00910 | AFLAC | $20 | — | $20 | 0.12% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $12 | — | $12 | 0.07% |
| DIANA P RODRIGUEZ PACATEQUE3 | K13 CALLE MARACAIBO PARK GARDENS RIO PIEDRAS, PR 00926 | AFLAC | $9 | — | $9 | 0.05% |
| JOSE D COLON3 Filed as: JOSE D COON | URBANIZACION PARAISO DE COAMO 828 CALLE SERENIDAD COAMO, PR 00769 | AFLAC | $7 | — | $7 | 0.04% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $2 | $3 | $5 | 0.03% |
| LISA HALL3 | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | AFLAC | $2 | — | $2 | 0.01% |
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 | 642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 913 | $6.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 913 | $6.3M |
| Vision | VISION SERVICE PLAN | 368 | $52K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,475 | $340K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 642 | $161K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 642 | $163K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,475 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,475 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.