| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS BROKER INC3 | 503 N MAIN ST LL 107 PUEBLO, CO 81003 | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | $37K | — | $37K | 3.76% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.25% |
| SKYE OSHAY MCDANIEL3 | 1880 OFFICE CLUB POINTE COLORADO SPRINGS, CO 80924 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $689 | $5K | 18.42% |
| STEPHEN SHIRLEY/BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.77% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.34% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | 183 | $979K |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | 183 | $979K |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | 183 | $979K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $55K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 44 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $42K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.