| 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 | $12K | $1K | $13K | 13.11% |
| ASSUREDPARTNERS3 | 4583 SOUTH ULSTER STEET, SUITE 500 DENVER, CO 80237 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.97% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION, INC. | 6200 SOUTH SYRACUSE WAY, SUITE 460 GREENWOOD VILLIAGE, CO 80111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $608 | $0 | $608 | 2.81% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLIAGE, CA 91361 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $254 | $0 | $254 | 1.17% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | 1905 STERLING LANE FORT COLLINS, CO 80521 | AFLAC | $1K | $26 | $1K | 7.35% |
| LAURA M MARCOTTE3 Filed as: LAURA PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $575 | $6 | $581 | 3.33% |
| ASSUREDPARTNERS3 | 4583 SOUTH BELLAIR STEET, SUITE 600 DENVER, CO 80022 | AFLAC | $545 | $0 | $545 | 3.12% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARRY RIGGS | 115 BAGGINS DRIVE, SUITE 204 FORT COLLINS, CO 80525 | AFLAC | $204 | $6 | $210 | 1.20% |
| MJ INSURANCE3 Filed as: JOHN W. BELL AND VARIOUS AGENTS | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $195 | $0 | $195 | 1.12% |
| ASSUREDPARTNERS3 | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $193 | $0 | $193 | 1.10% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $150 | $0 | $150 | 0.86% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 132 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $101K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $101K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $101K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.