| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | UNKNOWN LOUISVILLE, CO 80027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $697 | $0 | $697 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 NORTH RIVERSIDE PLAZA, SUITE 17 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.74% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $747 | $747 | 1.34% |
| AMY E GRIFFIN3 | 1905 STRELING LANE FORT COLLINS, CO 80521 | AFLAC | $183 | $55 | $238 | 6.25% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CO LLC | 1873 SOUTH BELLAIRE, SUITE 600 DENVER, CO 80022 | AFLAC | $68 | $0 | $68 | 1.79% |
| LAURA M MARCOTTE3 Filed as: LAURA M PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $52 | $10 | $62 | 1.63% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CO LLC | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $33 | $0 | $33 | 0.87% |
| ASHLEY LYNN DUDLEY3 | 2933 NEW CASTLE DRIVE LOVELAND, CO 80538 | AFLAC | $22 | $10 | $32 | 0.84% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $28 | $0 | $28 | 0.74% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARRY RIGGS | 115 BAGGINGS DRIVE, APARTMENT 204 FORT COLLINS, CO 80525 | AFLAC | $9 | $0 | $9 | 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 | 73 | 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) | 73 | 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 | 81 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $56K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $56K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $56K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $56K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 81 | $1.4M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $59K |
| 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."
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.