| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 Filed as: VOLK & BELL BENEFITS, LLC | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 18.74% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | P.O. BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $1K | $107 | $1K | 5.02% |
| JOHN W BELL3 Filed as: JOHN W. BELL | P.O. BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $633 | $46 | $679 | 3.02% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 2368 BUCKINGHAM CIRCLE LOVELAND, CO 80538 | AFLAC | $609 | $30 | $639 | 2.84% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $247 | — | $247 | 1.10% |
| KYLE PROBASCO3 | P.O. BOX 271442 FORT COLLINS, CO 80527 | AFLAC | $139 | $30 | $169 | 0.75% |
| JOHNATHON (JOSH) S. KIRKLAND3 Filed as: JOHNATHON SAMUEL KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $69 | — | $69 | 0.31% |
| JOHN P THOMPSON3 Filed as: JOHN P. THOMPSON | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $59 | — | $59 | 0.26% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $7 | — | $7 | 0.03% |
| TINA WAY3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $7 | — | $7 | 0.03% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $3 | — | $3 | 0.01% |
| LAWRENCE A ELMORE3 Filed as: LAWRENCE A. ELMORE | P.O. BOX 244 MORRISON, CO 80465 | AFLAC | $2 | — | $2 | 0.01% |
| SARA BRIERY3 Filed as: SARA E. BRIERY | 492 LAKEVIEW DRIVE VILLA 40 PALM HARBOR, FL 34683 | AFLAC | $1 | — | $1 | 0.00% |
| TANYA L MARTINSON3 Filed as: TANYA L. MARTINSON | 6395 SOUTH KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $1 | — | $1 | 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 | 168 | 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. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $77K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $77K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $77K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $77K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.