| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS BROKER INC | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | UNITED HEALTH CARE | $34K | — | $34K | 3.87% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | $8K | — | $8K | 10.08% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.56% |
| SOVEREIGN CAPITAL INVESTMENT TRUST3 | 12964 CUPCAKE HEIGHTS COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $99 | $2K | 6.07% |
| SKYE OSHAY MCDANIEL3 | 12964 CUPCAKE HEIGHTS COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $441 | — | $441 | 1.54% |
| STEPHEN SHIRLEY/BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 1.25% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DR UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.75% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 101 | $888K |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | 176 | $82K |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | 176 | $82K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $78K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 38 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $61K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.