| 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 | $70K | — | $70K | 4.07% |
| MARY ALVARADO3 | 16522 GILPIN STREET THORNTON, CO 80602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.07% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO, LLC | 2040 TERRY STREET #101 LONGMONT, CO 80501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.80% |
| ELIZABETH B FINEBERG3 | 1614 RED MOUNTAIN DR LONGMONT, CO 80504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $442 | — | $442 | 1.03% |
| LINDSAY A LIJEWSKI3 | 6500 S QUEBEC ST STE 250 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $305 | — | $305 | 0.71% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 2050 EAST 101ST COURT THORNTON, CO 80239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | — | $295 | 0.69% |
| JAMES M GARNER3 | 640 GOOSEBERRY DR UNIT 303 LONGMONT, CO 80503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | — | $250 | 0.58% |
| CARLA C MUNOZ3 | 2560 JULIAN ST DENVER, CO 80219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | — | $203 | 0.47% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 0.39% |
| MARC JENKINS3 | 3830 E JEWELL AVE APT 403 DENVER, CO 80210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.34% |
| JASON ANDERSON3 Filed as: JASON W ANDERSON | 2050 E 101ST CT THORNTON, CO 80229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.27% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.14% |
| LINDSAY A LIJEWSKI3 | 5894 E CALEY AVE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.13% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.13% |
| ASHLEY LYNN DUDLEY3 Filed as: ASHLEY L DUDLEY | 2933 NEW CASTLE DR LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.12% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERENSS DR W STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.06% |
| JAMES J SCHAMBER3 | 5700 E FRANKLIN RD STE 110 NAMPA, ID 83687 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| JOSE DE LOS SANTOS III3 | 155 INVERENSS DR W STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| JOHN D REEVES3 | 7738 PRAIRIE LAKE TR PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| TAMMY L JOHNSON3 | 12010 W CHASE LANE AVANDALE, AZ 85323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| WENDELL CUMMINGS3 | PO BOX 180 SEDALIA, CO 80135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CARRICK B MCCALLUM3 | 3753 GILPIN ST DENVER, CO 80205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARY ALVARADO3 Filed as: MARY RAEGEN ALVARADO | 16522 GILPIN ST THORNTON, CO 80602 | AFLAC | $1K | $147 | $1K | 3.20% |
| ELIZABETH B FINEBERG3 Filed as: ELIZABETH FINEBERG | 549 WAGON BEND RD BERTHOUD, CO 80513 | AFLAC | $842 | — | $842 | 2.08% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | AFLAC | $838 | — | $838 | 2.07% |
| JAMES M GARNER3 Filed as: JAMES GARNER | 1070 MELODY DR NORTHGLENN, CO 80234 | AFLAC | $362 | — | $362 | 0.89% |
| LINDSAY LIJEWSKI3 | 6025 S QUEBEC ST STE 360 ENGLEWOOD, CO 80229 | AFLAC | $227 | $31 | $258 | 0.64% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $124 | $31 | $155 | 0.38% |
| KATHERINE ANDERSON3 | 2050 E 101ST CT DENVERTHORNTON, CO 80229 | AFLAC | $142 | — | $142 | 0.35% |
| MARC JENKINS3 | 3830 E JEWELL AVE APT 403 DENVER, CO 80210 | AFLAC | $136 | — | $136 | 0.34% |
| THERESA CHAMBLISS3 | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $132 | — | $132 | 0.33% |
| JASON ANDERSON3 | 14811 RIO RANCHO WAY HELOTES, TX 78023 | AFLAC | $109 | — | $109 | 0.27% |
| JONATHAN KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $90 | — | $90 | 0.22% |
| ASHLEY LYNN DUDLEY3 Filed as: ASHLEY DUDLEY | 2933 NEW CASTLE DR LOVELAND, CO 80538 | AFLAC | $68 | — | $68 | 0.17% |
| CARLA MUNOZ3 | 3400 S PLATTE RIVER DR APT 1402 ENGLEWOOD, CO 80110 | AFLAC | $63 | — | $63 | 0.16% |
| STEPHANIE FARRELL3 | 8670 WOLFF CT STE 290 WESTMINSTER, CO 80031 | AFLAC | $51 | — | $51 | 0.13% |
| JAMES J SCHAMBER3 Filed as: JAMES SCHAMBER | 2851 S PARKER RD STE 560 AURORA, CO 80014 | AFLAC | $48 | — | $48 | 0.12% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $45 | — | $45 | 0.11% |
| LISA HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $41 | — | $41 | 0.10% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOST SANTOS III | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $27 | — | $27 | 0.07% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $27 | — | $27 | 0.07% |
| TAMMY JOHNSON3 | 918 W ANCHOR DR KINGMAN, AZ 86409 | AFLAC | $27 | — | $27 | 0.07% |
| DONNA BONNE3 | PO BOX 255 442 W CLINE DR SHAWNEE, CO 80475 | AFLAC | $23 | — | $23 | 0.06% |
| JENNIFER A LECLAIRE3 Filed as: JENNIFER LECLAIRE | 1410 SE 12TH TER CAPE CORAL, FL 33990 | AFLAC | $21 | — | $21 | 0.05% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 1341 WALES DR FORT MYERS, FL 33901 | AFLAC | $20 | — | $20 | 0.05% |
| JOHN THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $20 | — | $20 | 0.05% |
| ALAN LECLAIRE3 | 1410 SE 12TH TER CAPE CORAL, FL 33990 | AFLAC | $14 | — | $14 | 0.03% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $10 | — | $10 | 0.02% |
| SARA BRIERY3 | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON JR | 1543 TEDDINGTON ST DELAND, FL 32720 | AFLAC | $1 | — | $1 | 0.00% |
| TANYA L MARTINSON3 Filed as: TANYA MARTINSON | 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 | 9.39% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 204 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 204 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $13K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.