| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.71% |
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN STREET SUITE 300 CARMEL, IN 46290 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.50% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $931 | $0 | $931 | 4.05% |
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN STREET SUITE 300 CARMEL, IN 46290 | VISION SERVICE PLAN | $267 | $0 | $267 | 1.16% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | 5110 GRANITE STREET, SUITE A LOVELAND, CO 80538 | AFLAC | $630 | $75 | $705 | 9.11% |
| JOHN W BELL3 Filed as: JOHN W. BELL | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $248 | $29 | $277 | 3.58% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $127 | $21 | $148 | 1.91% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARRY RIGGS | 950 SOUTHRIDGE GREENS BOULEVARD UNIT 30 FORT COLLINS, CO 80525 | AFLAC | $73 | $21 | $94 | 1.21% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $49 | $0 | $49 | 0.63% |
| ASSUREDPARTNERS3 | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80022 | AFLAC | $24 | $0 | $24 | 0.31% |
| VIRGINA L. BRINKMAN3 | PO BOX 2563 LOVELAND, CO 80539 | AFLAC | $16 | $0 | $16 | 0.21% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 352 | $113K |
| Vision | VISION SERVICE PLAN | 123 | $23K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $107K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $107K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $107K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.