| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $102K | $18K | $120K | 1.74% |
| VOLK & BELL BENEFITS LLC3 Filed as: VOLK & BELL BENEFITS, LLC | 2040 TERRY STREET SUITE 101 LONGMONT, CO 805011890 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 3.85% |
| VOLK & BELL BENEFITS LLC3 Filed as: VOLK & BELL BENEFITS, LLC | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | VISION SERVICE PLAN | $6K | — | $6K | 10.00% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | P.O. BOX 270550 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.87% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.97% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 4312 BROOKSTONE COURT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.76% |
| KYLE PROBASCO3 | P.O. BOX 271442 FORT COLLINS, CO 80527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $436 | — | $436 | 1.09% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $384 | — | $384 | 0.96% |
| JOHNATHON (JOSH) S. KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.40% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.21% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.15% |
| TINA WAY3 Filed as: TINA R. WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.12% |
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 | 664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,361 | $6.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,361 | $6.9M |
| Vision | VISION SERVICE PLAN | 363 | $61K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,845 | $451K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,845 | $451K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,845 | $451K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,845 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,845 | — |
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.
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.