| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $33K | $500 | $33K | 4.24% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $6K | — | $6K | 0.82% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 6.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8100 E UNION AVENUE #700 DENVER, CO 80237 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE #1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.42% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 3.10% |
| ROERT C BETRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.05% |
| TANYA R BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300 | — | $300 | 1.29% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 861 N AUBURND ALE ST MEMPHIS, TN 38107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.76% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 10600 CHEVROLET WAY SUITE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | — | $144 | 0.62% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.55% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.50% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.43% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.33% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 6395 S KEWAUNEE WAY AURORA, CO 80016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.18% |
| RYAN DAVID BERTRAM3 Filed as: RYAN BERTRAM | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.17% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.15% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.13% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.12% |
| JAMES M GARNER3 | 8670 WOLFF COURT SUITE 290 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| BELINDA J BERTSCH3 | 11121 ACOMA STREET NORTHGLENN, CO 80234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | BETA HEALTH | $272 | — | $272 | 5.45% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | BETA HEALTH | $107 | — | $107 | 2.14% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 111 | $779K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 140 | $95K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 286 | $245K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 286 | $269K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 286 | $245K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 111 | $779K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 286 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.