| 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. | $29K | — | $29K | 2.92% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 1.04% |
| ELIZABETH B FINEBERG3 | 1614 RED MOUNTAIN DR LONGMONT, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.63% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.02% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $855 | — | $855 | 1.76% |
| JAMES M GARNER3 | 8670 WOLFF CT STE 290 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $546 | — | $546 | 1.13% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | — | $355 | 0.73% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.22% |
| ASHLEY LYNN DUDLEY3 Filed as: ASHLEY L DUDLEY | 2933 NEW CASTLE DR LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.17% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.13% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.12% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.10% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.10% |
| WENDELL CUMMINGS3 | PO BOX 411 SEDALIA, CO 80135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| TAMMY L JOHNSON3 | 12010 W CHASE LN AVONDALE, AZ 85323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| JOHN D REEVES3 Filed as: JOHN REEVES | 7738 PRAIRIE LAKE TR PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.05% |
| CARRICK B MCCALLUM3 | 3753 GILPIN ST DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| VOLK & BELL BENEFITS LLC3 | 1100 HAXTON DR STE 100 FORT COLLINS, CO 80525 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 5.27% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | DELTA DENTAL OF COLORADO | $1K | — | $1K | 2.57% |
| ELIZABETH B FINEBERG3 | 1614 RED MOUNTAIN DR LONGMONT, CO 80504 | AFLAC | $2K | $8 | $2K | 4.51% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AFLAC | $957 | — | $957 | 2.44% |
| ELIZABETH B FINEBERG3 | PO BOX 9161 DENVER, CO 80209 | AFLAC | $607 | — | $607 | 1.55% |
| JAMES M GARNER3 Filed as: JAMES GARNER | 14143 DENVER WEST PRWY STE 100 GOLDEN, CO 80401 | AFLAC | $507 | — | $507 | 1.29% |
| KATHERINE ANDERSON3 | 2050 E 101ST CT THORNTON, CO 80229 | AFLAC | $259 | — | $259 | 0.66% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $175 | — | $175 | 0.45% |
| ASHLEY LYNN DUDLEY3 | 3933 NEW CASTLE DR LOVELAND, CO 80538 | AFLAC | $161 | — | $161 | 0.41% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $158 | $2 | $160 | 0.41% |
| DONNA BONNE3 | 88 W MAPLE AVE DENVER, CO 80223 | AFLAC | $146 | $2 | $148 | 0.38% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $121 | — | $121 | 0.31% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $99 | — | $99 | 0.25% |
| STEPHANIE FARRELL3 | 8670 WOLFF CT STE 290 WESTMINSTER, CO 80031 | AFLAC | $77 | — | $77 | 0.20% |
| SCOTT ROBERT STORJOHANN3 | 10701 MELODY DR STE 500 NORTHGLENN, CO 80234 | AFLAC | $58 | — | $58 | 0.15% |
| REGINA K SANTANGELO3 | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | AFLAC | $50 | — | $50 | 0.13% |
| TAMMY L JOHNSON3 | 12010 W CHASE LN AVONDALE, AZ 85323 | AFLAC | $45 | — | $45 | 0.11% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $41 | — | $41 | 0.10% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $41 | — | $41 | 0.10% |
| STACEY THOMAS CAMPBELL3 | 1617 14TH AVE GREELEY, CO 80631 | AFLAC | $30 | $7 | $37 | 0.09% |
| JASON ANDERSON3 | 2977 HYDRA DR LOVELAND, CO 80537 | AFLAC | $28 | — | $28 | 0.07% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $25 | — | $25 | 0.06% |
| CLAIR VOLK3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AFLAC | $25 | — | $25 | 0.06% |
| VICTOR TEO TEO3 | 4342 MCWHINNEY BLVD #625 LOVELAND, CO 80538 | AFLAC | $22 | $3 | $25 | 0.06% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $18 | — | $18 | 0.05% |
| JENNIFER A LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $17 | — | $17 | 0.04% |
| JASON ANDERSON3 | 2050 E 101ST CT THORNTON, CO 80229 | AFLAC | $15 | — | $15 | 0.04% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $13 | — | $13 | 0.03% |
| LAURA M MARCOTTE3 | 4928 SILVERWOOD DR JOHNSTOWN, CO 80534 | AFLAC | $6 | $2 | $8 | 0.02% |
| SARA BRIERY3 Filed as: SARA E BRIERY | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $1 | — | $1 | 0.00% |
| TANYA L MARTINSON3 Filed as: TANYA MARTINSON | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $1 | — | $1 | 0.00% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.49% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.51% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | BETA HEALTH | $253 | — | $253 | 3.93% |
| VB ADVISORS LLC3 | 2040 TERRY ST LONGMONT, CO 80501 | BETA HEALTH | $236 | — | $236 | 3.67% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 252 | $983K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 123 | $50K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $38K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 238 | $88K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.