| 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 | $22K | — | $22K | 3.52% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD - CO & WY | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.55% |
| CELIA NASH INSURANCE3 Filed as: CELIA NASH INSURANCE LC | 2005 E. 2700 S., STE 140 SALT LAKE CITY, UT 84109 | SELECTHEALTH | $11K | $2K | $13K | 7.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SERVICES 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 7.89% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST STE 101 LONGMONT, CO 80501 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.67% |
| CELIA NASH INSURANCE3 | — | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.36% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST #101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.06% |
| 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% |
| CELIA NASH INSURANCE3 Filed as: CELIA NASH INSURANCE LC | 2005 E. 2700 S., STE 140 SALT LAKE CITY, UT 84109 | SELECTHEALTH | $1K | $246 | $1K | 6.99% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST #101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $784 | $784 | 5.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST #101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR # 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $495 | $495 | 5.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST. #101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $595 | — | $595 | 13.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR. #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $223 | $223 | 5.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040 TERRY ST #101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $406 | — | $406 | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $135 | $135 | 4.99% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 64 | $823K |
| Dental(3 contracts, 3 carriers) | SELECTHEALTH | 121 | $260K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $76K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $24K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.