| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS BROKER INC | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | UNITED HEALTH CARE | $31K | — | $31K | 4.21% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | $11K | — | $11K | 13.30% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.83% |
| SOVEREIGN CAPITAL INVESTMENT TRUST3 | 12964 CUPCAKE HEIGHTS COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $265 | $2K | 7.65% |
| STEPHEN SHIRLEY/BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| SKYE OSHAY MCDANIEL3 | 12964 CUPCAKE HEIGHTS COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $773 | $1 | $774 | 2.59% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 97 | $737K |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | 192 | $81K |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | 192 | $81K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $72K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 47 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $55K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.