| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $5K | $13K | 17.77% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | 1700 BROADWAY STREET SUITE 1000 DENVER, CO 80290 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $976 | — | $976 | 1.33% |
| AMY E GRIFFIN3 | P.O. BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $684 | $20 | $704 | 3.87% |
| LAURA M MARCOTTE3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $475 | $6 | $481 | 2.64% |
| JOHN W BELL3 | P.O. BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $453 | $9 | $462 | 2.54% |
| DANIEL L FRENCH3 | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $192 | — | $192 | 1.05% |
| KYLE PROBASCO3 | P.O. BOX 271442 FORT COLLINS, CO 80527 | AFLAC | $71 | $6 | $77 | 0.42% |
| JOHN P THOMPSON3 | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $49 | — | $49 | 0.27% |
| JOHNATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $44 | — | $44 | 0.24% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $35 | — | $35 | 0.19% |
| JOSE DE LOS SANTOS III3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $22 | — | $22 | 0.12% |
| TINE WAY3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $21 | — | $21 | 0.12% |
| LAWRENCE A ELMORE3 | P.O. BOX 244 MORRISON, CO 80465 | AFLAC | $5 | — | $5 | 0.03% |
| SARA BRIERY3 Filed as: SARA E BRIERY | 4 MARBURG LANE SAVANNAH, GA 31411 | AFLAC | $4 | — | $4 | 0.02% |
| TANYA L MARTINSON3 | 6395 SOUTH KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $3 | — | $3 | 0.02% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $3 | — | $3 | 0.02% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.01% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $73K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $73K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $73K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $73K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.