| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AETNA LIFE INSURANCE CO. | $38K | — | $38K | 4.02% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOC INC | 9725 E. HAMPDEN AVE. 400 DENVER, CO 80231 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 7.80% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 6.79% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.71% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | BETA HEALTH | $343 | — | $343 | 4.55% |
| VB ADVISORS LLC3 | 2040 TERRY ST LONGMONT, CO 80501 | BETA HEALTH | $230 | — | $230 | 3.05% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 233 | $956K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 51 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $10K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.