| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY ST UNIT 101 LONGMONT, CO 80501 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $24K | $2 | $24K | 3.72% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST #101 LONGMONT, CO 80501 | STANDARD INSURANCE COMPANY | $2K | $219 | $2K | 3.39% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY STREET STE 101 LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $487 | — | $487 | 8.62% |
| LEGACY INSURANCE FIRM LLC3 | 16522 GILPIN ST THORNTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | — | $405 | 7.17% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS | C/O VOLUNTARY SOLUTIONS BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $44 | $160 | 2.83% |
| MELISSA A KOLL3 | 216 CLIMAX DR DILLION, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $15 | $105 | 1.86% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $5 | $71 | 1.26% |
| CHRISTIAN KYLE STOUT3 | 26332 E ARCHER AVE AURORA, CO 80018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $45 | $68 | 1.20% |
| EVAN D BURDEN3 | PO BOX 6903 DENVER, CO 80206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 1.15% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY ST LONGMONT, CO 80501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | — |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP INSUR ADVISORS | INC 560 S 300 E STE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $306 | $306 | — |
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 | 73 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 134 | $635K |
| Dental | STANDARD INSURANCE COMPANY | 55 | $63K |
| Vision | STANDARD INSURANCE COMPANY | 55 | $63K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $0 |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.