| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 7.17% |
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN STREET SUITE 300 CARMEL, IN 46290 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.87% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.49% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $384 | $0 | $384 | 0.32% |
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | VISION SERVICE PLAN | $3K | $0 | $3K | 11.27% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.97% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | 1905 STERLING LANE FORT COLLINS, CO 80521 | AFLAC | $272 | $0 | $272 | 5.24% |
| NICHOLAS J. LIVADITIS3 | 2275 ROCKY MOUNTAIN AVENUE UNIT 304 LOVELAND, CO 80538 | AFLAC | $86 | $0 | $86 | 1.66% |
| JOHN W BELL3 Filed as: JOHN W. BELL | PO BOX 270550 FORT COLLINS, CO 80534 | AFLAC | $79 | $0 | $79 | 1.52% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $70 | $0 | $70 | 1.35% |
| ASSUREDPARTNERS3 | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80022 | AFLAC | $43 | $0 | $43 | 0.83% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARRY RIGGS AND VARIOUS AGENTS | 115 BAGGINS DRIVE, APARTMENT 204 FORT COLLINS, CO 80525 | AFLAC | $39 | $0 | $39 | 0.75% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $36 | $0 | $36 | 0.69% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 393 | $118K |
| Vision | VISION SERVICE PLAN | 130 | $23K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 488 | $119K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 488 | $119K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 488 | $119K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 488 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.