| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST LONGMONT, CO 80501 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $47K | — | $47K | 4.10% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO,LLC | 2040 TERRY STREET #101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $714 | — | $714 | 1.70% |
| ELIZABETH B FINEBERG3 | 1614 RED MOUNTAIN DR LONGMONT, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $632 | — | $632 | 1.51% |
| MARY ALVARADO3 | 16522 GILPIN STREET THORNTON, CO 80602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $601 | — | $601 | 1.43% |
| KATHERINE S ANDERSON3 Filed as: KATHERINE S KEASTANDERSON | 3853 BUENA VISTA DR LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | — | $439 | 1.05% |
| JAMES M GARNER3 | 640 GOOSEBERRY DR UNIT 303 LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $336 | — | $336 | 0.80% |
| JASON ANDERSON3 Filed as: JASON W ANDERSON | 2050 E 101 ST CT THORNTON, CO 80229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | — | $199 | 0.47% |
| MARC JENKINS3 | 336 E 52ND AVE DENVER, CO 80216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 0.40% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEURDALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.22% |
| JAMES J SCHAMBER3 | 5700 E FRANKLIN RD STE 110 NAMPA, ID 83687 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.22% |
| ASHLEY LYNN DUDLEY3 Filed as: ASHLEY L DUDLEY | 2933 NEWCASTLE DR. LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.19% |
| THERESA CHAMBLISS3 Filed as: THERESA ACHAMBLISS | 10600 CHEVROLET WAY SUITE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.16% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.09% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.09% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOSSANTOS III | 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.06% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.06% |
| TAMMY L JOHNSON3 Filed as: TAMMY LJOHNSON | 12010 W CHASE LANE AVONDALE, AZ 85323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.05% |
| JOHN D REEVES3 | 7738 PRAIRIELAKE TR PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| WENDELL CUMMINGS3 | P.O. BOX 411 SEDALIA, CO 80135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| CARRICK B MCCALLUM3 | 3753 GILPIN ST DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | STE 101 2040 TERRY ST LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | STE 101 2040 TERRY ST LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIOR HEALTH LLC PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $3K |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 236 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 236 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 261 | $82K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.