| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | HUMANA HEALTH PLAN | $51K | — | $51K | 4.89% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | SUIT 101 2040 TERRY STREET LONGMONT, CO 80501 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 14.06% |
| MARY ALVARADO3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.13% |
| JASON ANDERSON3 Filed as: JASON W ANDERSON | 2050 E 101ST CT THORNTON, CO 80229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $787 | — | $787 | 2.35% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $644 | — | $644 | 1.92% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 3853 BUENA VISTA DR LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $590 | — | $590 | 1.76% |
| ASHLEY LYNN DUDLEY3 Filed as: ASHLEY L DUDLEY | 2933 NEW CASTLE DR LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $587 | — | $587 | 1.75% |
| TANYA R BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $265 | — | $265 | 0.79% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 0.38% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 10600 CHEVROLET WAY SUITE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 0.38% |
| MARC JENKINS3 | 336 E 52ND AVE DENVER, CO 80216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.31% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 2050 EAST 101ST COURT THORNTON, CO 80239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.23% |
| LISA M HALL3 | 2542 E SUNDOWN DR COER DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.23% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.20% |
| STACEY THOMAS CAMPBELL3 Filed as: STACEY T CAMPBELL | 1617 14TH AVE GREELEY, CO 80631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.15% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 1331 W MOREHEAD ST 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.13% |
| RYAN DAVID BERTRAM3 Filed as: RYAN D BERTRAM | 9630 REMINTON AVE FIRESTONE, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.11% |
| JOSE DE LOS SANTOS III3 | 155 INVERENS S DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| JAMES M GARNER3 | 640 GOOSEBERRY DR UNIT 303 LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| BELINDA J BERTSCH3 | 11121 ACOMA STREET NORTH GLENN, CO 80234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY STREET LONGMONT, CO 80501 | BETA HEALTH | $347 | — | $347 | 7.60% |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN | 205 | $1.0M |
| Dental(2 contracts, 2 carriers) | HUMANA HEALTH PLAN | 205 | $1.0M |
| Vision | HUMANA HEALTH PLAN | 205 | $1.0M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 287 | $143K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 287 | $143K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 287 | $143K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 310 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.