| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2002 CARIBOU DRIVE, SUITE 101 FORT COLLINS, CO 80525 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 14.62% |
| AP DESIGN PROF. INS SVCS, LLC3 | UNKNOWN FORT COLLINS, CO 80528 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 5.33% |
| AMY E. GRIFFIN3 | 1905 STERLING LANE FORT COLLINS, CO 80521 | AFLAC | $774 | $186 | $960 | 4.60% |
| LAURA M MARCOTTE3 Filed as: LAURA M. PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $464 | $40 | $504 | 2.41% |
| ASSUREDPARTNERS3 | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80022 | AFLAC | $261 | $0 | $261 | 1.25% |
| ASSUREDPARTNERS3 | 2809 EAST HARMONY ROAD SUITE 160 FORT COLLINS, CO 80528 | AFLAC | $244 | $0 | $244 | 1.17% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $128 | $0 | $128 | 0.61% |
| JOHN PAUL THOMPSON SR & OTHERS3 | 6395 SOUTH KEWAUNEE WAY, SUITE 425 AURORA, CO 80016 | AFLAC | $83 | $0 | $83 | 0.40% |
| JONATHAN SAMUEL KIRKLAND | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $36 | $0 | $36 | 0.17% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $82K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $82K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $82K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $82K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.