| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS BROKER INC3 | 20 CLUB MANOR DRIVE UNIT A PUEBLO, CO 81008 | ALL SAVERS INSURANCE COMPANY | $26K | — | $26K | 6.54% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DRIVE UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $358 | $3K | 3.36% |
| ROBERT H REDWINE3 | 503 NORTH MAIN STREET SUITE 314 PUEBLO, CO 81003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.98% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DRIVE UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $51 | $1K | 8.33% |
| ROBERT H REDWINE3 | 503 NORTH MAIN STREET SUITE 314 PUEBLO, CO 81003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.95% |
| BENEFITS BROKER INC3 | 20 CLUB MANOR DRIVE UNIT A PUEBLO, CO 81008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $369 | $17 | $386 | 8.43% |
| ROBERT H REDWINE3 | 503 NORTH MAIN STREET SUITE 314 PUEBLO, CO 81003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $369 | — | $369 | 8.06% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $60K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $60K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $109K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $5K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $95K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 84 | $399K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.