| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.61% |
| VB ADVISORS LLC3 Filed as: VB ADVISORS | 2040 TERRY STREET #101 LONGMONT, CO 80501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.83% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY STREET 101 LONGMONT, CO 80501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.15% |
| VB ADVISORS LLC3 Filed as: VB ADVISORS | 2040 TERRY STREET #101 LONGMONT, CO 80501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.91% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY STREET 101 LONGMONT, CO 80501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.07% |
| VB ADVISORS LLC3 | 2040 TERRY STREET #101 COMMUNITY TREATMENT AL, CO 80501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.11% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY STREET 101 LONGMONT, CO 80501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $831 | — | $831 | 3.87% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | — | VISION SERVICE PLAN | $2K | — | $2K | 10.01% |
| VB ADVISORS LLC3 Filed as: VB ADVISORS | 2040 TERRY STREET #101 LONGMONT, CO 80501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $235 | — | $235 | 7.13% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY STREET 101 LONGMONT, CO 80501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | — | $95 | 2.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | — | $32K |
| CIGNA | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $0 |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $481K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $481K |
| Vision | VISION SERVICE PLAN | 127 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 146 | $32K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
No prospect flags tripped on this filing.