| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 821 17TH STREET ACCOUNTING, 2ND FLOOR DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $22K | $270 | $22K | 3.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $7K | $1 | $7K | 1.18% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1401 LAWRENCE STREET, SUITE 1200 DENVER, CO 80202 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $409 | $2K | 5.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | PRINCIPAL LIFE INSURANCE COMPANY | $847 | $0 | $847 | 2.19% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | HUMANA INSURANCE COMPANY | $698 | $0 | $698 | 6.62% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC | 1401 LAWRENCE STREET DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $763 | $64 | $827 | 10.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $361 | $0 | $361 | 4.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 111 SOUTH TEJON STREET, SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $19 | $19 | 0.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE COMPANY | 111 SOUTH TEJON STEET, SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $11 | $11 | 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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 127 | $573K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $39K |
| Vision | HUMANA INSURANCE COMPANY | 84 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $8K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 127 | $573K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.