| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $28K | $737 | $29K | 3.60% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $4K | — | $4K | 0.52% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 7.44% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.68% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | VISION SERVICE PLAN | $959 | — | $959 | 8.22% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | VISION SERVICE PLAN | $207 | — | $207 | 1.77% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 2.73% |
| MELISSA A KOLL3 | 216 CLIMAX DR DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 1.19% |
| KRISTEN ELISE RANDALL3 | 22 S GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.50% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.49% |
| OPTIO LLC3 | 8547 E ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.47% |
| MARY CATHERINE WILLIAMS3 | 16319 E TENNESSEE AVE AURORA, CO 80017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.27% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $387 | — | $387 | 6.73% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 176 | $793K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $69K |
| Vision | VISION SERVICE PLAN | 118 | $12K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 140 | $12K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $6K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 140 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.