| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $11K | — | $11K | 7.31% |
| PFS INSURANCE GROUP LLC3 Filed as: PFS INSURANCE GROUP | 4848 THOMPSON PARKWAY STE 200 JOHNSTOWN, CO 80534 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $8K | — | $8K | 5.55% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST UNIT 101 LONGMONT, CO 80501 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | — | $1K | 0.97% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINANCIAL SERVICES LLC | 4848 THOMPSON PARKWAY STE 200 JOHNSTOWN, CO 80534 | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 16.31% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | — | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | $988 | — | $988 | 3.51% |
| PFS INSURANCE GROUP LLC3 Filed as: PFS INSURANCEGROUP LLC | 4848 THOMPSONPARKWAY STE 200 JOHNSTOWN, CO 80534 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $414 | — | $414 | 9.45% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 29 | $151K |
| Dental | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $28K |
| Vision | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $28K |
| Life insurance | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $28K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 19 | $4K |
| Other | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.