| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY SUITE 200 JOHNSTOWN, CO 80534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 8.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 4643 ULSTER STREET SUITE 200 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.65% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY SUITE 200 JOHNSTOWN, CO 80534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.59% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY SUITE 200 JOHNSTOWN, CO 80534 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 13.89% |
| V.W. ALLABASHI & ASSOCIATES, LLC3 Filed as: V.W. ALLABASHI & ASSOC., LLC | 6851 SOUTH HOLLY CIRCLE SUITE 200 CENTENNIAL, CO 80112 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $143 | — | $143 | 0.10% |
| ROBERT DALE ESTES3 Filed as: ROBERT DUCH | 221 QUAIL RIDGE CIRCLE HIGHLANDS RANCH, CO 80126 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$2 | — | -$2 | -0.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $294K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $144K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $144K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $144K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $144K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.