| 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 | ROCKY MOUNTAIN HEALTH CARE OPTIONS, INC. | $41K | — | $41K | 5.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | ROCKY MOUNTAIN HEALTH CARE OPTIONS, INC. | $24K | — | $24K | 3.06% |
| 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 | $6K | — | $6K | 5.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.47% |
| BETA HEALTH ASSOCIATION3 | 9725 EAST HAMPDEN AVENUE, SUITE 400 DENVER, CO 80231 | DELTA DENTAL OF COLORADO | $4K | $4K | $7K | 7.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 4.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6399 SOUTH FIDDLERS GREEN CIRCLE SUITE 200 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 2.40% |
| 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 | 11.15% |
| BRYAN R. DORMAN3 | 8569 VALLEY RANCH POINT FOUNTAIN, CO 80817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $487 | — | $487 | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $480 | — | $480 | 1.44% |
| BILLY W. OCONNOR3 Filed as: BILLY W OCONNOR | 6040 HEATHER LANE MANITOU SPRINGS, CO 80829 | CONTINENTAL AMERICAN INSURANCE COMPANY | $477 | — | $477 | 1.43% |
| THOMAS J PITZENBERGER3 Filed as: THOMAS J. PITZENBERGER | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 0.66% |
| JONATHAN SAMUAL KIRKLAND3 Filed as: JONATHAN S KIRKLAND AND OTHER AGENT | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 0.65% |
| REGINA K SANTANGELO3 | 9034 EAST EASTER, SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.33% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION, INC. | 9725 EAST HAMPDEN AVENUE, SUITE 400 DENVER, CO 80231 | EYEMED VISION CARE | $2K | — | $2K | 7.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 844663 DALLAS, TX 75284 | EYEMED VISION CARE | $1K | — | $1K | 6.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6399 SOUTH FIDDLER'S GREEN CIRCLE GREENWOOD VILLAGE, CO 80111 | EYEMED VISION CARE | $569 | — | $569 | 2.92% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION, INC. | 5575 TECH CENTER DRIVE DENVER, CO 80919 | EYEMED VISION CARE | $155 | — | $155 | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | BETA HEALTH ASSOCIATION, INC. | $760 | — | $760 | 5.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | BETA HEALTH ASSOCIATION, INC. | $460 | — | $460 | 3.27% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HEALTH CARE OPTIONS, INC. | 275 | $791K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 252 | $107K |
| Vision | EYEMED VISION CARE | 334 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $112K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $112K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $112K |
| Prescription drug | ROCKY MOUNTAIN HEALTH CARE OPTIONS, INC. | 275 | $791K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.