| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $42K | $2K | $44K | 2.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $23K | $708 | $24K | 1.51% |
| ASSUREDPARTNERS3 | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80222 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 6.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $6K | $1K | $7K | 3.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 24.60% |
| ASSUREDPARTNERS3 | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.42% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 9034 EAST EASTER PLACE, SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | $0 | $168 | 0.39% |
| MJ INSURANCE3 Filed as: TINA R. WAY AND VARIOUS AGENTS | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.25% |
| JENNIFER L FOSS3 Filed as: JENNIFER L. FLOSS | 9034 EAST EASTER PLACE, SUITE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | $0 | $89 | 0.21% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN JOSH S. KIRKLAND | 4245 MILGEN ROAD COLUMBUS, OH 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.17% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 OUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.11% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 18.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 7700 JEFFERSON STREET NE, SUITE 200 ALBUQUERQUE, NM 87109 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 6.22% |
| ASSUREDPARTNERS3 | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80222 | 5STAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 80202 | 5STAR LIFE INSURANCE COMPANY | $756 | $0 | $756 | 3.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | 5STAR LIFE INSURANCE COMPANY | $177 | $0 | $177 | 0.72% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $888 | $0 | $888 | 4.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $179 | $0 | $179 | 0.95% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | ANTHEM EMPLOYEE ASSISTANCE PROGRAM | $131 | $0 | $131 | 2.43% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 282 | $1.6M |
| Dental | STANDARD INSURANCE COMPANY | 140 | $195K |
| Vision | VISION SERVICE PLAN | 132 | $19K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 237 | $220K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 53 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 140 | $195K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 282 | $1.6M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 237 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.