| 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 | $47K | — | $47K | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 12.89% |
| BETA HEALTH ASSOCIATION3 | 9725 EAST HAMPDEN AVENUE, SUITE 400 DENVER, CO 80231 | DELTA DENTAL OF COLORADO | $3K | $3K | $6K | 7.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $6K | — | $6K | 6.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.04% |
| BRYAN R. DORMAN3 | 8569 VALLEY RANCH POINT FOUNTAIN, CO 80817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.51% |
| BILLY W. OCONNOR3 Filed as: BILLY W. OCONNER | 6040 HEATHER LANE MANITOU SPRINGS, CO 80829 | CONTINENTAL AMERICAN INSURANCE COMPANY | $893 | — | $893 | 2.35% |
| THOMAS J PITZENBERGER3 Filed as: THOMAS J. PITZENBERGER | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $444 | — | $444 | 1.17% |
| MJ INSURANCE3 Filed as: TINA R. WAY AND VARIOUS AGENTS | 155 INVERNES SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $342 | — | $342 | 0.90% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOS SANTOS | 155 INVERNES SOUTH DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.32% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, CO 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 844663 DALLAS, TX 75284 | EYEMED VISION CARE | $2K | — | $2K | 9.89% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION, INC. | 9725 EAST HAMPDEN AVENUE, SUITE 400 DENVER, CO 80231 | EYEMED VISION CARE | $1K | — | $1K | 7.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | BETA HEALTH ASSOCIATION, INC. | $1K | — | $1K | 9.50% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 214 | $935K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 202 | $95K |
| Vision | EYEMED VISION CARE | 260 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $98K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $98K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 214 | $935K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.