| 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 | AFLAC | $10K | $0 | $10K | 22.85% |
| JENNIFER L FOSS3 Filed as: JENNIFER L. FOSS | 9034 EASTER PLACE, SUITE 202 CENTENNIAL, CO 80112 | AFLAC | $3K | $5 | $3K | 6.80% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 9034 EASTER PLACE, SUITE 202 CENTENNIAL, CO 80112 | AFLAC | $934 | $5 | $939 | 2.24% |
| BRUCE A BALLENGER3 Filed as: BRUCE A. BALLENGER | PO BOX 2618 PARKER, CO 80134 | AFLAC | $644 | $0 | $644 | 1.54% |
| SARAH A MITCHELL3 Filed as: SARAH A. MITCHELL | 1085 NORTH SHERMAN STREET, SUITE 20 DENEVER, CO 80203 | AFLAC | $479 | $0 | $479 | 1.14% |
| JEREMY M EANES3 Filed as: JEREMY EANES | 21729 EAST MERCER PLACE AURORA, CO 80018 | AFLAC | $163 | $0 | $163 | 0.39% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 264 | $42K |
| Other | AFLAC | 264 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.