| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2002 CARIBOU DRIVE, SUITE 101 FORT COLLINS, CO 80525 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 13.39% |
| ASSUREDPARTNERS3 | 4583 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.30% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.15% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | 1905 STERLING LANE FORT COLLINS, CO 80521 | AFLAC | $686 | $157 | $843 | 5.32% |
| LAURA M MARCOTTE3 Filed as: LAURA PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $419 | $37 | $456 | 2.88% |
| ASSUREDPARTNERS3 | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $272 | $0 | $272 | 1.72% |
| ASSUREDPARTNERS3 | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80222 | AFLAC | $189 | $0 | $189 | 1.19% |
| JOHN P THOMPSON3 Filed as: JOHN P. THOMPSON AND OTHER AGENTS | 6395 SOUTH KEWAUNEE, SUITE 425 AURORA, CO 80016 | AFLAC | $130 | $37 | $167 | 1.05% |
| DANIEL L FRENCH3 Filed as: DANIEL L. FRENCH | 240 43RD AVENUE GREELEY, CO 80634 | AFLAC | $145 | $0 | $145 | 0.92% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CREST ALPHARETTA, GA 30004 | AFLAC | $36 | $0 | $36 | 0.23% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $90K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $90K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $90K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.