| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2000 SOUTH COLORADO BOULEVARD SUITE 150 DENVER, CO 80222 | UNITEDHEALTHCARE INSURANCE COMPANY | $75K | $0 | $75K | 3.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2000 SOUTH COLORADO BOULEVARD SUITE 150 DENVER, CO 80222 | STANDARD INSURANCE COMPANY | $7K | $3K | $10K | 7.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 111 SOUTH TEJON STREET, SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 3.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 16.32% |
| JEREMY M EANES3 Filed as: JEREMY M. EANES | 21729 EAST MERCER PLACE AURORA, CO 80018 | AFLAC | $1K | $96 | $1K | 5.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2000 SOUTH COLORADO BOULEVARD SUITE 150 DENVER, CO 80222 | AFLAC | $1K | $0 | $1K | 5.41% |
| DAYTON LLC3 | 5445 DTC PARKWAY, SUITE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $219 | $19 | $238 | 1.12% |
| JENNIFER L FREEMAN3 Filed as: JENNIFER L. FREEMAN | 5520 MELANIE CIRCLE ELIZABETH, CO 80107 | AFLAC | $133 | $10 | $143 | 0.67% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $108 | $0 | $108 | 0.51% |
| MJ INSURANCE3 Filed as: ZACHARY HOLLON & VARIOUS AGENTS | 2891 WEST LONG CIRCLE, SUITE H LITTLETON, CO 80120 | AFLAC | $61 | $0 | $61 | 0.29% |
| JENNIFER L FOSS3 Filed as: JENNIFER L. FOSS | 3177 WEST INDIAN SUMMER LANE CASTLE ROCK, CO 80109 | AFLAC | $30 | $0 | $30 | 0.14% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 200 | $180K |
| Short-term disability | AFLAC | 26 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 200 | $143K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $2.1M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 200 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.