| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | HUMANA HEALTH PLAN, INC. | $43K | — | $43K | 4.97% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 14.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE #1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $269 | — | $269 | 0.21% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | HUMANA INSURANCE COMPANY | $5K | $2K | $7K | 6.63% |
| ASHLEY LYNN DUDLEY3 Filed as: ASHLEY L DUDLEY | 2933 NEW CASTLE DR LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.81% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.29% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $662 | — | $662 | 2.34% |
| JASON ANDERSON3 Filed as: JASON W ANDERSON | 2977 HYDRA DR LOVELAND, CO 80537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $618 | — | $618 | 2.18% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 2050 EAST 101ST COURT THORNTON, CO 80239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $561 | — | $561 | 1.98% |
| TANYA R BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 0.89% |
| MARY ALVARADO3 | 16522 GILPIN STREET THORNTON, CO 80602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.61% |
| STACEY THOMAS CAMPBELL3 Filed as: STACEY T CAMPBELL | 1617 14TH AVENUE GREELEY, CO 80631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.47% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 10600 CHEVROLET WAY SUITE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.43% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 116 E. MAIN ST. SUITE 201 ROCK HILL, SC 29730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.38% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.23% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 2050 EAST 101ST COURT THORNTON, CO 80239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.20% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.20% |
| RYAN DAVID BERTRAM3 Filed as: RYAN BERTRAM | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.13% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.09% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| JAMES M GARNER3 | 8670 WOLFF COURT SUITE 290 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| BELINDA J BERTSCH3 | 11121 ACOMA STREET NORTHGLENN, CO 80234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | HUMANA DENTAL INSURANCE COMPANY | $236 | $161 | $397 | 7.70% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | BETA HEALTH | $250 | — | $250 | 7.59% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 128 | $870K |
| Dental(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 182 | $109K |
| Vision | HUMANA INSURANCE COMPANY | 182 | $101K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 287 | $130K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 287 | $158K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 287 | $130K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 292 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.