| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2000 S COLORADO BLVD TOWER 2, STE 150 DENVER, CO 80222 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $20K | $784 | $21K | 3.23% |
| INTREPID3 Filed as: INTREPID BENEFITS INC. | 1900 GRANT ST STE 650 DENVER, CO 80203 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $19K | $0 | $19K | 3.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | DELTA DENTAL OF COLORADO | $2K | $0 | $2K | 4.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2000 S COLORADO BLVD TOWER 2, STE 150 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 3.42% |
| BETA HEALTH ASSOCIATION3 | 6200 S SYRACUSE WAY STE 460 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 2.69% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION (OVERRIDE) | 6200 S SYRACUSE WAY STE 460 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $252 | $0 | $252 | 0.62% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2000 S COLORADO BLVD TOWER 2, STE 150 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON 12TH FL CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $714 | $714 | 2.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2000 S COLORADO BLVD TOWER 2, STE 150 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $702 | $0 | $702 | 7.69% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $667 | $0 | $667 | 7.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2000 S COLORADO BLVD TOWER 2, STE 150 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $531 | $0 | $531 | 6.52% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4635 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | $0 | $117 | 1.44% |
| GREGORY G WAY3 | 1828 SHADOW CREEK DR CASTLE ROCK, CO 80104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
| DAYTON LLC3 | 5445 DTC PARKWAY STE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT ST STE 650 DENVER, CO 80203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $635 | $0 | $635 | 8.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2000 S COLORADO BLVD TOWER 2, STE 150 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $494 | $0 | $494 | 6.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON 12TH FL CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $194 | $194 | 2.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1125 17TH ST DENVER, CO 80202 | EYEMED VISION CARE | $358 | $0 | $358 | 5.58% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER STE 215 FT. WASHINGTON, PA 19034 | EYEMED VISION CARE | $351 | $0 | $351 | 5.47% |
| INTREPID3 Filed as: INTREPID BENEFITS INC. | 1900 GRANT ST STE 650 DENVER, CO 80203 | BETA HEALTH | $175 | $0 | $175 | 4.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2000 S COLORADO BLVD STE 150 DENVER, CO 80222 | BETA HEALTH | $167 | $0 | $167 | 4.64% |
| RHONDA S UNSELL INC4 | 6525 GUNPARK DR STE 370-152 BOULDER, CO 80301 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $40 | $0 | $40 | 9.55% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER STE 215 FT. WASHINGTON, PA 19034 | EYEMED VISION CARE | $9 | $0 | $9 | 10.00% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 130 | $665K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 98 | $44K |
| Vision(2 contracts) | EYEMED VISION CARE | 64 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $8K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15 | $9K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.