| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | $0 | $48K | 2.45% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DRIVE, SUITE A PUEBLO, CO 81008 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $2K | $13K | 0.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 8.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 111 SOUTH TEJON STREET, SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 3.84% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DRIVE, SUITE A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $266 | $5K | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN DENVER, CO 81008 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 3.69% |
| BENEFITS BROKER INC3 | UNKNOWN PUEBLO, CO 81008 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 1.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 LA JUNTA, CO 81050 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.12% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DRIVE, SUITE A PUEBLO, CO 81008 | VISION SERVICE PLAN | $518 | $0 | $518 | 1.67% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 370 | $2.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 397 | $86K |
| Vision | VISION SERVICE PLAN | 225 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $195K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $195K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $195K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.