| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO | 2040 TERRY STREET LONGMONT, CO 80501 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $55K | — | $55K | 4.07% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $764 | — | $764 | 2.53% |
| MARY ALVARADO3 | 16522 GILPIN STREET THORNTON, CO 80602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $711 | — | $711 | 2.35% |
| ELIZABETH B FINEBERG3 | 1614 RED MOUNTAIN DR LONGMONT, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $511 | — | $511 | 1.69% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 2050 EAST COURT THORNTON, CO 80239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | — | $329 | 1.09% |
| JAMES M GARNER3 | 640 GOOSEBERRY DR UNITE 303 LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | — | $284 | 0.94% |
| MARC JENKINS3 | 336 52ND AVENUE DENVER, CO 80216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 0.92% |
| JASON ANDERSON3 Filed as: JASON W ANDERSON | 2050 E 101ST CT THORNTON, CO 80229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.42% |
| LISA M HALL3 | 2542 E SUNDOWN DR COUER D ALANE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.24% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.21% |
| ASHLEY LYNN DUDLEY3 Filed as: ASHLEY L DUDLEY | 2933 NEW CASTLE DR LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.17% |
| JAMES J SCHAMBER3 | 5700 E FRANKLIN RD STE 110 NAMPA, ID 83687 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.17% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST STE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.09% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| TAMMY L JOHNSON3 | 12010 W CHASE LANE AVONDALE, AZ 85323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| JOHN D REEVES3 | 7738 PRAIRIE LAKE TR PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| WENDELL CUMMINGS3 | PO BOX 411 SEDALIA, CO 80135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CARRICK B MCCALLUM3 | 3753 GILBPIN ST DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.38% |
| 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 | 10.87% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 213 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 213 | $1.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $40K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.