| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 2.52% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 2.48% |
| CENTERSTONE INSURANCE AND FINANCIAL4 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 2.00% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOC INC | 6200 S. SYRACUSE WAY STE 460 GREENWOOD VLG, CO 80111 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 7.83% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | 4582 S. ULSTER ST. STE 600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY | $851 | — | $851 | 1.83% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | COMPANION LIFE INSURANCE COMPANY | $450 | — | $450 | 0.97% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.90% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 805011890 | UNITEDHEALTHCARE INSURANCE COMPANY | $543 | — | $543 | 4.62% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 805011890 | UNITEDHEALTHCARE INSURANCE COMPANY | $371 | — | $371 | 3.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 1125 17TH STREET DENVER, CO 80202 | EYEMED VISION CARE | $313 | — | $313 | 2.68% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | EYEMED VISION CARE | $313 | — | $313 | 2.68% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.69% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | BETA HEALTH | $727 | — | $727 | 9.50% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $800K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 69 | $54K |
| Vision | EYEMED VISION CARE | 154 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $29K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7 | $10K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7 | $10K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.