| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST UNIT 101 LONGMONT, CO 80501 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $7K | — | $7K | 4.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $900 | — | $900 | 0.66% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST #101 LONGMONT, CO 80501 | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.97% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY STREET, STE 101 LONGMONT, CO 80501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 3.47% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY STE 200 JOHNSTOWN, CO 80534 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 3.04% |
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 | 67 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 67 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 22 | $137K |
| Dental | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $31K |
| Vision | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $31K |
| Life insurance | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $31K |
| Short-term disability(2 contracts, 2 carriers) | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $34K |
| Other | GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67 | — |
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.