| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1100 HAXTON, SUITE 100 FORT COLLINS, CO 80525 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 11.65% |
| ASSUREDPARTNERS3 | 4583 SOUTH USLTER STREET, SUITE 500 DENVER, CO 80237 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION, INC. | 6200 SOUTH SYRACUSE WAY, SUITE 460 CARRARA PLACE GREENWOOD VILLAGE, CO 80111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $984 | $0 | $984 | 5.00% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | 1905 STERLING LANE FORT COLLINS, CO 80521 | AFLAC | $570 | $11 | $581 | 4.89% |
| LAURA M MARCOTTE3 Filed as: LAURA M. MARCOTTE | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $381 | $3 | $384 | 3.23% |
| JOHN W BELL3 Filed as: JOHN W. BELL | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $269 | $0 | $269 | 2.26% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $140 | $0 | $140 | 1.18% |
| ASSUREDPARTNERS3 | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80022 | AFLAC | $114 | $0 | $114 | 0.96% |
| MJ INSURANCE3 Filed as: JONATHAN KIRKLAND & VARIOUS AGENTS | 1270 HOPEWEILL CREST ALPHARETTA, GA 30004 | AFLAC | $107 | $0 | $107 | 0.90% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARR RIGGS | 115 BAGGINS DRIVE, APARTMENT 204 FORT COLLINS, CO 80525 | AFLAC | $42 | $3 | $45 | 0.38% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 129 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $79K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $79K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $79K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.