| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 4.22% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $740 | $740 | 0.09% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY STREET 101 LONGMONT, CO 80501 | AXIS INSURANCE COMPANY | $12K | — | $12K | 10.06% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2050 TERRY ST STE 101 LONGMONT, CO 80501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $69K | $1K | $70K | 148.00% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH | 3200 S SYRACUSE WAY STE 460 GREENWOOD VILLAGE, CO 80111 | COMPANION LIFE | $3K | — | $3K | 8.19% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | COMPANION LIFE | $3K | — | $3K | 6.98% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | VISION SERVICE PLAN | $905 | — | $905 | 6.86% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2050 TERRY STREET LONGMONT, CO 80501 | BETA HEALTH | $878 | — | $878 | 7.60% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $942K |
| Dental | BETA HEALTH | 65 | $12K |
| Vision | VISION SERVICE PLAN | 114 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 81 | $47K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 81 | $47K |
| Prescription drug | AXIS INSURANCE COMPANY | 91 | $121K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 81 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.