| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OBGB INC.3 | 4676 BROADWAY BOULDER, CO 80304 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $148 | $30K | $30K | 2.67% |
| VOLK & BELL BENEFITS LLC3 Filed as: VOLK & BELL | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $75 | $15K | $15K | 1.33% |
| OBGB INC.3 | 5331 RETREAT CENTER LONGMONT, CO 80503 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.62% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | STANDARD INSURANCE COMPANY | $503 | — | $503 | 1.85% |
| OBGB INC.3 | 5331 RETREAT CENTER LONGMONT, CO 80503 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.09% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | STANDARD INSURANCE COMPANY | $206 | — | $206 | 0.90% |
| OBGB INC.3 | 5331 RETREAT CENTER LONGMONT, CO 80503 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.76% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | STANDARD INSURANCE COMPANY | $756 | — | $756 | 4.16% |
| OBGB INC.3 | 5331 RETREAT CENTER LONGMONT, CO 80503 | STANDARD INSURANCE COMPANY | $450 | — | $450 | 9.63% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | STANDARD INSURANCE COMPANY | $155 | — | $155 | 3.32% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.1M |
| Vision | STANDARD INSURANCE COMPANY | 115 | $23K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 115 | $27K |
| Long-term disability | STANDARD INSURANCE COMPANY | 115 | $18K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.