| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 Filed as: VOLK & BELL BENEFITS, LLC | 2040 TERRY STREET, SUITE 101 LONGMONT, CO 80501 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $25K | $123 | $25K | 5.35% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $0 | $8K | $8K | 1.62% |
| VOLK & BELL BENEFITS LLC3 Filed as: VOLK & BELL BENEFITS, LLC | 2040 TERRY STREET, SUITE 101 LONGMONT, CO 80501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $16K | 14.24% |
| V.W. ALLABASHI & ASSOCIATES, LLC3 Filed as: V.W ALLABASHI & ASSOCIATES, LL | 6455 SOUTH YOSEMITE ST SUITE 300 GREENWOOD VILLAGE, CO 80111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $181 | $0 | $181 | 0.16% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 79 | $475K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $110K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $110K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $110K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $110K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.