| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS BROKER INC | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | CIGNA HEALTH AND LIFE INSURANCE | $37K | — | $37K | 7.57% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | $9K | $0 | $9K | 9.93% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.42% |
| SOVEREIGN CAPITAL INVESTMENT TRUST3 | 12964 CUPCAKE HEIGHTS COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $122 | $2K | 6.46% |
| SKYE OSHAY MCDANIEL3 | 12964 CUPCAKE HEIGHTS COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $467 | $0 | $467 | 1.91% |
| STEPHEN SHIRLEY/BENEFITS BROKER INC3 Filed as: STEPHEN SHIRLEY | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $0 | $175 | 0.72% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 145 | $490K |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | 181 | $87K |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | 181 | $87K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $94K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $78K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.