| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN LOUISVILLE, CO 80027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $765 | $765 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $0 | $1 | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.67% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $999 | $999 | 1.29% |
| AMY E GRIFFIN3 Filed as: AMY E. GRIFFIN | 1905 STERLING LANE FORT COLLINS, CO 80521 | AFLAC | $390 | $0 | $390 | 9.32% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CO LLC | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80022 | AFLAC | $182 | $0 | $182 | 4.35% |
| LAURA M MARCOTTE3 Filed as: LAURA M. PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $101 | $0 | $101 | 2.41% |
| ASHLEY LYNN DUDLEY3 | 2933 NEW CASTLE DRIVE LOVELAND, CO 80538 | AFLAC | $67 | $0 | $67 | 1.60% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CO LLC | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $46 | $0 | $46 | 1.10% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $35 | $0 | $35 | 0.84% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARRY RIGGS | 115 BAGGINS DRIVE, APT 204 FORT COLLINS, CO 80525 | AFLAC | $10 | $0 | $10 | 0.24% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $77K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $77K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $77K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $77K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $1.5M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.