| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $651 | $651 | 0.52% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.08% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $46 | $0 | $46 | 0.18% |
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | VISION SERVICE PLAN | -$1K | $0 | -$1K | -5.02% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | 1905 STERLING LANE FORT COLLINS, CO 80521 | AFLAC | $201 | $11 | $212 | 4.63% |
| LAURA M MARCOTTE3 Filed as: LAURA PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $52 | $3 | $55 | 1.20% |
| NICHOLAS J. LIVADITIS | 2275 ROCKY MOUNTAIN AVENUE UNIT 304 LOVELAND, CO 80538 | AFLAC | $49 | $0 | $49 | 1.07% |
| ASSUREDPARTNERS3 | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $45 | $0 | $45 | 0.98% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $40 | $0 | $40 | 0.87% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS AND VARIOUS AGENTS | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80022 | AFLAC | $34 | $3 | $37 | 0.81% |
| JOHN W BELL Filed as: JOHN W. BELL | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $20 | $0 | $20 | 0.44% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 418 | $126K |
| Vision | VISION SERVICE PLAN | 155 | $26K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $119K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $119K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $119K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.