| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $106K | $0 | $106K | 3.82% |
| GCG FINANCIAL LLC Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $61K | $61K | 2.20% |
| FALL RIVER CONSULTING GROUP LLC3 | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $11K | $16K | 7.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 2829 WYANDOT ST DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.83% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.68% |
| MARY ALVARADO | 16522 GILPIN STREET THORNTON, CO 80602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 15.31% |
| MARC JENKINS | 336 E 52ND AVENUE DENVER, CO 80216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.38% |
| JAMES J SCHAMBER | 5700 E FRANKLIN RD STE 110 NAMPA, ID 83687 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.24% |
| ELIZABETH B FINEBERG | 1614 RED MOUNTAIN DR LONGMONT, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | $0 | $136 | 0.37% |
| KATHERINE S KEAST-ANDERSON Filed as: KATHERINE S KEAST- ANDERSON | 2050 EAST 101ST COURT THORNTON, CO 80239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.15% |
| JAMES M GARNER | 640 GOOSEBERR Y DR UNIT 303 LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.10% |
| KRISTIE A LEATHERS | 2143 RANCH DR. WESTMINSTER, CO 80234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.10% |
| JASON ANDERSON Filed as: JASON W ANDERSON | 2050 E 101ST CT THORNTON, CO 80229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.05% |
| DONNA BONNE | 88 W MAPLE AVE DENVER, CO 80223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.04% |
| LISA M HALL | 2542 E SUNDOWN DR COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.04% |
| JONATHAN SAMUEL KIRKLAND Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| JOSE DE LOS SANTOS III | 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| TINA WAY Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| LARRY W NICHOLSON Filed as: LARRY NICHOLSON | 1331 W MOREHEAD ST 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| KIEFER GROUP INSURANCE AGCY LLC | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| TROY J KIDD | 13066 EMERSON ST THORNTON, CO 80241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ELIZABETH B FINEBERG | 549 WAGON BEND RD BERTHOUD, CO 80513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| STACEY THOMAS CAMPBELL Filed as: STACEY T CAMPBELL | 1617 14TH AVENUE GREELEY, CO 80631 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$5 | $0 | -$5 | -0.01% |
| JARED CONLEY | 1613 SAVANNAH DR PUEBLO, CO 81005 | AFLAC | $293 | $0 | $293 | 5.22% |
| ELIZABETH B FINEBERG Filed as: ELIZABETH FINEBERG | 549 WAGON BEND RD BERTHOUD, CO 80513 | AFLAC | $93 | $0 | $93 | 1.66% |
| MARK H WIEDEMANN Filed as: MARK WIEDEMANN | 1249 GURR AVE COLUMBUS, GA 31906 | AFLAC | $58 | $0 | $58 | 1.03% |
| ZAKERY HARLOW | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $39 | $0 | $39 | 0.70% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL FRENCH | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $31 | $0 | $31 | 0.55% |
| THERESA CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $27 | $0 | $27 | 0.48% |
| JAMES M GARNER Filed as: JAMES GARNER | 10701 MELODY DR NORTHGLENN, CO 80234 | AFLAC | $19 | $0 | $19 | 0.34% |
| KATHY WIEDEMANN | 222 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $18 | $0 | $18 | 0.32% |
| BRENDA J MCGINNIS Filed as: BRENDA MCGINNIS | 1279 APOLLO RD ARAB, AL 35016 | AFLAC | $14 | $0 | $14 | 0.25% |
| JONATHAN SAMUEL KIRKLAND Filed as: JONATHAN KIRKLAND | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $13 | $0 | $13 | 0.23% |
| GBS BENEFITS INS AGENCY Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AFLAC | $12 | $0 | $12 | 0.21% |
| ROGER CURTIS POWELL Filed as: ROGER POWELL | 550 LIBERTY ST APT 501 BRAINTREE, MA 02184 | AFLAC | $10 | $0 | $10 | 0.18% |
| JOHN THOMPSON | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $6 | $0 | $6 | 0.11% |
| CAROL JANZ | 4935 SAINT ANDREWS CT LOVELAND, CO 80537 | AFLAC | $3 | $0 | $3 | 0.05% |
| JOSE DE LOS SANTOS III Filed as: JOSE DE LOS SANTOS ILL | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $3 | $0 | $3 | 0.05% |
| TINA WAY | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $2 | $0 | $2 | 0.04% |
| PATTI ELMORE | P O BOX 215 ANANOLA, HI 96703 | AFLAC | $1 | $0 | $1 | 0.02% |
| ALLISON FARRIS WENDELBERGER | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | $0 | $1 | 0.02% |
| TANYA L MARTINSON Filed as: TANYA MARTINSON | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $1 | $0 | $1 | 0.02% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 337 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 337 | $2.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 337 | $2.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $198K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $198K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $198K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.