| 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 | $43K | — | $43K | 4.00% |
| VB ADVISORS LLC3 | 2040 TERRY ST #101 LONGMONT, CO 80501 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $86 | $86 | 0.01% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY STREET # 101 LONGMONT, CO 80501 | AXIS INSURANCE COMPANY | $14K | — | $14K | 9.75% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST #101 LONGMONT, CO 80501 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.18% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 14.32% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST #101 LONGMONT, CO 80501 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.08% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $58 | — | $58 | 4.52% |
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 | 298 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 161 | $79K |
| Vision | STANDARD INSURANCE COMPANY | 315 | $24K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 91 | $55K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 91 | $55K |
| Prescription drug | AXIS INSURANCE COMPANY | 119 | $147K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 91 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.