| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | $69K | $124K | 19.43% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | STE 101 2040 TERRY STREET LONGMONT, CO 80501 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 22.07% |
| MARY ALVARADO3 | 16522 GILPIN STREET THORNTON, CO 80602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.84% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY STREET #101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.45% |
| CARLA C MUNOZ3 | 2560 S JULIAN ST DENVER, CO 80219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $578 | — | $578 | 1.62% |
| LINDSAY A LIJEWSKI3 | 6500 S QUEBECT ST STE 250 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $403 | — | $403 | 1.13% |
| MARC JENKINS3 | 3830 E JEWELL AVE. APT. 403 DENVER, CO 80210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $375 | — | $375 | 1.05% |
| JAMES J SCHAMBER3 | 5700 E FRANKLIN RD STE 110 NAMPA, ID 83687 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | — | $295 | 0.83% |
| LINDSAY A LIJEWSKI3 | 5894 E CALEY AVE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.49% |
| DAYTON LLC3 | 5445 DTC PARKWAY STE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | — | $110 | 0.31% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| TANYA R BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| KENIA E STURGIS3 | 12048 E HARVARD AVE AURORA, CO 80014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 2050 EAST 101ST COURT THORNTON, CO 80239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| CHRISTINA M SEXTON3 | 6059 S QUEBEC ST STE 100 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JASON ANDERSON3 Filed as: JASON W ANDERSON | 2050 E 101ST CT THORNTON, CO 80229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JOSE DE LOS SANTOS III3 | 155 INVERENSS DR WEST STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DR WEST STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JAMES M GARNER3 | 640 GOOSEBERRY DR UNIT 303 LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSOR | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $20K |
| CIGNA | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $0 |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $639K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 173 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP. | 173 | $0 |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 255 | $196K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 255 | $196K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 255 | $196K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 255 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.