| 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 805011890 | VISION SERVICE PLAN | $682 | — | $682 | 4.51% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 4582 SOUTH ULSTER STREET SUITE 600 DENVER, CO 802372634 | VISION SERVICE PLAN | $251 | — | $251 | 1.66% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | P.O. BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $510 | $29 | $539 | 8.96% |
| JOHN W BELL3 Filed as: JOHN W. BELL | P.O. BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $196 | $13 | $209 | 3.48% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $103 | $8 | $111 | 1.85% |
| KYLE PROBASCO3 | P.O. BOX 271442 FORT COLLINS, CO 80527 | AFLAC | $102 | $8 | $110 | 1.83% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $43 | — | $43 | 0.71% |
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 | 117 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 43 | $65K |
| Vision | VISION SERVICE PLAN | 83 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $42K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $42K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
No prospect flags tripped on this filing.