| 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 | $73K | — | $73K | 3.98% |
| MARY ALVARADO3 Filed as: MARY RAEGEN ALVARADO | 16522 GILPIN ST THORNTON, CO 80602 | AFLAC | $1K | $32 | $1K | 3.38% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AFLAC | $837 | — | $837 | 2.28% |
| ELIZABETH B FINEBERG3 | 549 WAGO BEND RD BERTHOUD, CO 80513 | AFLAC | $814 | — | $814 | 2.21% |
| JAMES M GARNER3 | 10701 MELODY DR NORTHGLENN, CO 80234 | AFLAC | $339 | — | $339 | 0.92% |
| JAMES M GARNER3 | 10701 MELODY DR NORTHGLENN, CO 80234 | AFLAC | $339 | — | $339 | 0.92% |
| LINDSAY A LIJEWSKI3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $215 | — | $215 | 0.58% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $164 | — | $164 | 0.45% |
| MARC JENKINS3 | 3830 E JEWELL AVE APT 403 DENVER, CO 80210 | AFLAC | $140 | $7 | $147 | 0.40% |
| KATHERINE ANDERSON3 | 2050 E 101ST CT THORNTON, CO 80229 | AFLAC | $141 | — | $141 | 0.38% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINET RIVER DR KINGWOOD, TX 77339 | AFLAC | $126 | — | $126 | 0.34% |
| JASON ANDERSON3 | 2050 E 101ST CT THORNTON, CO 80229 | AFLAC | $95 | — | $95 | 0.26% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $86 | — | $86 | 0.23% |
| ASHLEY LYNN DUDLEY3 | 2933 NEW CASTL DR LOVELAND, CO 80538 | AFLAC | $63 | — | $63 | 0.17% |
| JAMES J SCHAMBER3 | 2851 S PARKER RD STE 560 AURORA, CO 80014 | AFLAC | $54 | — | $54 | 0.15% |
| STEPHANIE FARRELL3 | 8670 WOLFF CT STE 290 WESTMINSTSER, CO 80031 | AFLAC | $47 | — | $47 | 0.13% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $45 | — | $45 | 0.12% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $41 | — | $41 | 0.11% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $26 | — | $26 | 0.07% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $26 | — | $26 | 0.07% |
| TAMMY L JOHNSON3 | 918 W ANCHOR DR KINGMAN, AZ 86409 | AFLAC | $24 | — | $24 | 0.07% |
| DONNA BONNE3 | 88 W MAPLE AVE DENVER, CO 80223 | AFLAC | $24 | — | $24 | 0.07% |
| LARRY W NICHOLSON3 | 130 N SHELMORE BLVD MT. PLEASANT, SC 29464 | AFLAC | $20 | — | $20 | 0.05% |
| JENNIFER A LECLAIRE3 | 1410 SE 12TH TER CAPE CORAL, FL 33990 | AFLAC | $19 | — | $19 | 0.05% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $18 | — | $18 | 0.05% |
| ALAN LECLAIRE3 Filed as: ALAN R LECALIRE | 1410 SE 12TH TER CAPE CORAL, FL 33990 | AFLAC | $13 | — | $13 | 0.04% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $9 | — | $9 | 0.02% |
| JASON ANDERSON3 | 14811 RIO RANCHO WAY HELOTES, TX 78023 | AFLAC | $5 | — | $5 | 0.01% |
| SARA BRIERY3 Filed as: SARA E BRIERY | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN P THOMSON JR | 1543 TEDDINGTON ST DELAND, FL 32720 | 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 | 9.04% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 215 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 215 | $1.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $12K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.