| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY ALVARADO3 Filed as: MARY RAEGEN ALVARADO | 16522 GILPIN ST THORNTON, CO 80602 | AFLAC | $938 | — | $938 | 2.77% |
| ELIZABETH B FINEBERG3 | 549 WAGON BEND RD BERTHOUD, CO 80513 | AFLAC | $765 | — | $765 | 2.26% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AFLAC | $558 | — | $558 | 1.65% |
| MARK JENKINS3 | 3755 BUCHTEL BLVD APT 105 DENVER, CO 80210 | AFLAC | $324 | — | $324 | 0.96% |
| JAMES M GARNER3 | 1111 WASHINGTON AVE STE 210 GOLDEN, CO 80401 | AFLAC | $301 | — | $301 | 0.89% |
| JAMES J SCHAMBER3 | 2851 S PARKER RD STE 560 AURORA, CO 80014 | AFLAC | $159 | — | $159 | 0.47% |
| KATHERINE ANDERSON3 | 2050 E 101 CT THORNTON, CO 80229 | AFLAC | $152 | — | $152 | 0.45% |
| JASON ANDERSON3 | 2050 E 101 CT THORNTON, CO 80229 | AFLAC | $110 | — | $110 | 0.32% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER KINGWOOD, TX 77339 | AFLAC | $108 | — | $108 | 0.32% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $75 | — | $75 | 0.22% |
| ASHLEY LYNN DUDLEY3 | 2933 NEW CASTLE DR LOVELAND, CO 80538 | AFLAC | $53 | — | $53 | 0.16% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $53 | — | $53 | 0.16% |
| STEPHANIE FARRELL3 | 8670 WOLFF CT STE 290 WESTMINSTER, CO 80031 | AFLAC | $49 | — | $49 | 0.14% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $36 | — | $36 | 0.11% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $24 | — | $24 | 0.07% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $24 | — | $24 | 0.07% |
| DONNA BONNE3 | 88 W MAPLE AVE DENVER, CO 80223 | AFLAC | $23 | — | $23 | 0.07% |
| TAMMY L JOHNSON3 | 918 W ANCHOR DR KINGMAN, AZ 86409 | AFLAC | $20 | — | $20 | 0.06% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $20 | — | $20 | 0.06% |
| JENNIFER A LECLAIRE3 | 28 GEORGETOWN FORT MEYERS, FL 33919 | AFLAC | $15 | — | $15 | 0.04% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80013 | AFLAC | $15 | — | $15 | 0.04% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $10 | — | $10 | 0.03% |
| ALAN LECLAIRE3 Filed as: ALAN R LECLAIRE | 28 GEORGETOWN FORT MYERS, FL 33919 | AFLAC | $10 | — | $10 | 0.03% |
| SCOTT ROBERT STORJOHANN3 | 10110 EATON ST WESTMINSTER, CO 80020 | AFLAC | $7 | — | $7 | 0.02% |
| SARA BRIERY3 Filed as: SARA E BRIERY | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $1 | — | $1 | 0.00% |
| TANYA L MARTINSON3 | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $1 | — | $1 | 0.00% |
| 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 | 9.15% |
| 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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $12K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.