| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | $0 | $39K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET SUITE 900 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $34K | $0 | $34K | 27.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $5K | $0 | $5K | 4.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET DENVER, CO 80202 | EYEMED VISION CARE | $1K | $0 | $1K | 9.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2000 SOUTH COLORADO BOULEVARD SUITE 150 DENVER, CO 80222 | AFLAC | $1K | $0 | $1K | 7.72% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $562 | $9 | $571 | 4.21% |
| JENNIFER L FOSS3 Filed as: JENNIFER L. FOSS | 3807 TRANQUILITY TRAIL CASTLE ROCK, CO 80109 | AFLAC | $189 | $51 | $240 | 1.77% |
| JEREMY M EANES3 Filed as: JEREMY EANES | 21729 EAST MERCER PLACE AURORA, CO 80018 | AFLAC | $237 | $0 | $237 | 1.75% |
| JENNIFER L FOSS3 Filed as: JENNIFER L. FOSS | 9034 EAST EASTER PLACE, SUITE 202 CENTENNIAL, CO 80112 | AFLAC | $95 | $0 | $95 | 0.70% |
| MJ INSURANCE1 Filed as: LINDSAY LIJEWSKI AND VARIOUS AGENTS | 9034 EAST EASTER PLACE, SUITE 202 CENTENNIAL, CO 80112 | AFLAC | $46 | $0 | $46 | 0.34% |
| DON C SUNDAY3 Filed as: DON C. SUNDAY | 2037 SOUTH GRAY DRIVE LAKEWOOD, CO 80227 | AFLAC | $38 | $0 | $38 | 0.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 23.73% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $1.3M |
| Dental | DELTA DENTAL OF COLORADO | 261 | $102K |
| Vision | EYEMED VISION CARE | 168 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 197 | $126K |
| Short-term disability | AFLAC | 24 | $14K |
| Long-term disability | STANDARD INSURANCE COMPANY | 197 | $126K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $1.3M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 197 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.