| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | 1100 HAXTON SUITE 100 FORT COLLINS, CO 80525 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.40% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | 1700 BROADWAY STREET SUITE 1000 DENVER, CO 80290 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.13% |
| AMY E GRIFFIN3 | P.O. BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $409 | $73 | $482 | 2.59% |
| LAURA M MARCOTTE3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $441 | $21 | $462 | 2.48% |
| JOHN W BELL3 | P.O. BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $423 | $31 | $454 | 2.44% |
| AMY E GRIFFIN3 | 5110 GRANITE STREET SUITE A LOVELAND, CO 80538 | AFLAC | $353 | — | $353 | 1.89% |
| DANIEL L FRENCH3 | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $160 | — | $160 | 0.86% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $90 | $21 | $111 | 0.60% |
| JONATHAN SAMUEL KIRKLAND3 | 127O HOPEWELL CREST ALPHARETTA, GA 30004 | AFLAC | $38 | — | $38 | 0.20% |
| JOHN P THOMPSON3 | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $35 | — | $35 | 0.19% |
| JOSE DE LOS SANTOS III3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $17 | — | $17 | 0.09% |
| TINA WAY3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $17 | — | $17 | 0.09% |
| VIRGINIA L BRINKMAN3 | P.O. BOX 2563 LOVELAND, CO 80539 | AFLAC | $11 | — | $11 | 0.06% |
| LAWRENCE A ELMORE3 | P.O. BOX 244 MORRISON, CO 80465 | AFLAC | $3 | — | $3 | 0.02% |
| SARA BRIERY3 Filed as: SARA E BRIERY | 4 MARGBURG LANE SAVANNAH, GA 31411 | AFLAC | $3 | — | $3 | 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% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 1700 BROADWAY STREET SUITE 1000 DENVER, CO 80290 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION INC. | 6200 SOUTH SYRACUSE WAY SUITE 460 GREENWOOD VILLAGE, CO 80111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $828 | — | $828 | 5.00% |
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 |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 92 | $17K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $98K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $98K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $98K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.