| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $71K | $2K | $73K | 5.26% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION, INC. | 6200 SOUTH SYRACUSE WAY SUITE 460 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 7.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1414 WEST 4TH STREET PUEBLO, CO 81004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.76% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION, INC. | 6200 SOUTH SYRACUSE WAY SUITE 460 GREENWOOD VILLAGE, CO 80111 | BETA HEALTH | $6K | $0 | $6K | 7.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1414 WEST 4TH STREET PUEBLO, CO 81004 | BETA HEALTH | $5K | $0 | $5K | 6.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | MUTUAL OF OMAHA | $4K | $446 | $5K | 7.17% |
| ZACHARY PIPER MALONE3 | 8610 EXPLORER DRIVE, UNIT 120 COLORADO SPRINGS, CO 80920 | MUTUAL OF OMAHA | $931 | $0 | $931 | 1.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | BETA HEALTH | $2 | $0 | $2 | 8.70% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 257 | $1.4M |
| Dental(2 contracts) | BETA HEALTH | 89 | $75K |
| Life insurance | MUTUAL OF OMAHA | 509 | $65K |
| Short-term disability | MUTUAL OF OMAHA | 509 | $65K |
| Long-term disability | MUTUAL OF OMAHA | 509 | $65K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 257 | $1.4M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 509 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.