| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 7.90% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $14K | 18.68% |
| AMY E GRIFFIN3 | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $2K | $30 | $2K | 6.91% |
| JOHN W BELL3 | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $1K | $13 | $1K | 3.93% |
| LAURA M MARCOTTE3 | 426 ROSSUM DR LOVELAND, CO 80537 | AFLAC | $850 | $9 | $859 | 3.23% |
| DANIEL L FRENCH3 | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $314 | $9 | $323 | 1.21% |
| KYLE PROBASCO3 | PO BOX 271442 FORT COLLINS, CO 80527 | AFLAC | $250 | — | $250 | 0.94% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $89 | — | $89 | 0.33% |
| JOHN P THOMPSON3 | 6395 S. KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $71 | — | $71 | 0.27% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $9 | $9 | $18 | 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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $482K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $76K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $76K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $76K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $76K |
| Other | AFLAC | 31 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.