| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 4.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AMERITAS LIFE INSURANCE CORP | $6K | $3K | $9K | 14.76% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO,LLC | FD774 2040 TERRY STREET #101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 0.31% |
| LINDSAY A LIJEWSKI3 Filed as: LINDSAY ALIJEWSKI | CN614 6500 S. QUEBEC ST. SUITE 250 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.25% |
| BARBARA R SANTELLA3 Filed as: BARBARA REINACH SANTELLA | AP512 8864 WAGNER CT HIGHLANDS RANCH, CO 80126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.23% |
| TIMOTHY B ASBY3 | V9961 9247 N MERIDIANST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.11% |
| USI INSURANCE SERVICES LLC3 | VGC00 6501 S FIDDLERS GREEN CIR #100 GREENWOOD VILLIAG, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.07% |
| WB0603 | JONATHAN JOSH S KIRKLAND 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.06% |
| ELIZABETH B FINEBERG3 Filed as: ELIZABETH BFINEBERG | ABZZ2 549 WAGON BEND RD BERTHOUD, CO 80513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| KRISTA K PRICE3 | BR159 3864 S. QUINCE ST DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| REGINA K SANTANGELO3 | W3567 6892 S WEBSTER WAY LITTLETON, CO 80128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOSSANTOS III | GE319 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| TINA WAY3 Filed as: TINA R WAY | HC142 155 INVERNESS DRIVE WEST STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| ELIZABETH B FINEBERG3 | W1898 1614 RED MOUNTAIN DR LONGMONT, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| LARRYNICHOLSON3 | GJ606 1331 W MOREHEAD STE 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT R STORJOHANN | VL305 10110 EATON ST WESTMINSTER, CO 80020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DONNA BONNE3 | JB554 88 W MAPLE AVE DENVER, CO 80223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KIEFER GROUP INSURANCE AGCY LLC3 | MZ060 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | STE 101 LONGMONT, CO 80501 | AMERICAN UNITED LIFE INSURANCE COMPANY, | $5K | — | $5K | 14.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | STE 100 GREENWOOD VILLAGE, CO 80111 | AMERICAN UNITED LIFE INSURANCE COMPANY, | -$24 | — | -$24 | -0.07% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $802K |
| Dental | AMERITAS LIFE INSURANCE CORP | 231 | $59K |
| Vision | AMERITAS LIFE INSURANCE CORP | 231 | $59K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY, | 99 | $34K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY, | 99 | $34K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY, | 99 | $34K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY, | 99 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.