| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS BROKER INC3 | UNIT A 20 CLUB MANOR DRIVE PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 2.18% |
| BENEFITS BROKER INC3 | UNIT A 20 CLUB MANOR DRIVE PUEBLO, CO 81008 | UNUM LIFE INSURANCE CO OF AMERICA | $58K | — | $58K | 13.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 3RD PARTY ADM | Claims processing; Plan Administrator Service code 12 | 731 N TAYLOR AMARILLO, TX 79107 | $462K |
| DELTA DENTAL OF COLORADO EIN 84-0568337 CLAIMS ADM | Contract Administrator Service code 13 | PO BOX 173803 DENVER, CO 802173803 | $106K |
| PUEBLO HEALTHCARE INC EIN 84-1508650 PPO NETWORK | Other services Service code 49 | 400 W 16TH STREET PUEBLO, CO 81003 | $88K |
| REGIONAL CARE, INC EIN 47-0760050 3RD PARTY ADM | Claims processing Service code 12 | 905 WEST 27TH STREET SCOTTSBLUFF, NE 69361 | $41K |
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 | 1,862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTPORT INSURANCE COMPANY | 1,862 | $223K |
| Vision | WESTPORT INSURANCE COMPANY | 1,862 | $223K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,499 | $1.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,499 | $607K |
| Prescription drug | WESTPORT INSURANCE COMPANY | 1,862 | $223K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,499 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,499 | — |
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.