| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS LLC | 2550 E ALAMEDA AVE UNIT 23 DENVER, CO 802093431 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $320 | $15K | 2.61% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD - CO & WY | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 852585589 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.52% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 805011890 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.90% |
| CELIA NASH INSURANCE3 Filed as: CELIA NASH INSURANCE LC | 2005 E. 2700 S., STE 140 SALT LAKE CITY, UT 84109 | SELECTHEALTH | $7K | $2K | $9K | 5.19% |
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS LLC | 2550 E ALAMEDA AVE #23 DENVER, CO 802093303 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.85% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 805011890 | METROPOLITAN LIFE INSURANCE COMPANY | $842 | — | $842 | 1.42% |
| SHARYL LU SULLIVAN3 | 23 POLO FIELD LN DENVER, CO 802093331 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 6.42% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD - CO & WY | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 852585589 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.08% |
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS LLC | 2550 E ALAMEDA AVE #23 DENVER, CO 80209 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $235 | $235 | 0.42% |
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS LLC | 2550 E ALAMEDA AVE #23 DENVER, CO 80209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $560 | — | $560 | 2.53% |
| CELIA NASH INSURANCE3 | 2005 E. 2700 S., STE 140 SALT LAKE CITY, UT 84109 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS LLC | 2550 E ALAMEDA AVE #23 DENVER, CO 80209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $573 | $573 | 5.00% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $448 | — | $448 | 3.91% |
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS LLC | 2550 E ALAMEDA AVE #23 DENVER, CO 80209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $876 | — | $876 | 11.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $386 | $386 | 5.00% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $281 | — | $281 | 3.64% |
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS LLC | 2550 E ALAMEDA AVE #23 DENVER, CO 80209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $419 | — | $419 | 10.44% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $201 | $201 | 5.01% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $122 | — | $122 | 3.04% |
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS LLC | 2550 E ALAMEDA AVE #23 DENVER, CO 80209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $162 | — | $162 | 11.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $73 | $73 | 5.00% |
| VB ADVISORS LLC3 | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57 | — | $57 | 3.91% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $799K |
| Dental(3 contracts, 3 carriers) | SELECTHEALTH | 154 | $251K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $81K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $8K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $82K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.