We looked through several books before deciding that this insect was a Syrphid Fly. It was spending time on Mullein flowers. These are three of the best shots that Fleur-Ange managed to capture. I just did some creative cropping of the photos.
Yes, Syrphid Flies look a bit like bees.
These photos make the fly look large, but they are about 1 cm, or less, from wing tip to wing tip (may 1/3 inch?).