| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD, SUITE 100 SCOTTSDALE, AZ 85254 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 2.50% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVE STE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 2.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 1.49% |
| LOCKTON COMPANIES, LLC | 8110 E UNION AVE DENVER, CO 802372966 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $605 | $4K | 7.25% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD, SUITE 100 SCOTTSDALE, AZ 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $336 | $3K | 4.74% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC - DENVER | 8110 E. UNION, #700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $636 | $0 | $636 | 2.34% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $316 | $0 | $316 | 1.16% |
| LOCKTON COMPANIES, LLC | PO BOX 173850 DENVER, CO 802173850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $273 | $2K | 9.45% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES - DENVER, CO | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE | $855 | $0 | $855 | 8.71% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD, SUITE 100 SCOTTSDALE, AZ 85254 | EYEMED VISION CARE | $613 | $0 | $613 | 6.25% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N. NORTHSIGHT BLVD. SCOTTSDALE, AZ 85260 | EYEMED VISION CARE | $119 | $0 | $119 | 1.21% |
| LOCKTON COMPANIES, LLC | 8110 E UNION AVE DENVER, CO 802372966 | UNUM INSURANCE COMPANY | $538 | $89 | $627 | 8.64% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM INSURANCE COMPANY | $333 | $35 | $368 | 5.07% |
| LOCKTON COMPANIES, LLC | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $702 | $149 | $851 | 17.85% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD, SUITE 100 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | $0 | $13 | 0.27% |
| LOCKTON COMPANIES, LLC | 8110 E UNION AVE DENVER, CO 802372966 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $90 | $18 | $108 | 6.00% |
| LOCKTON COMPANIES, LLC | 8110 E UNION AVE DENVER, CO 802372966 | FIRST UNUM LIFE INSURANCE COMPANY | $8 | $1 | $9 | 10.34% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | $1 | $6 | 6.90% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.4M |
| Dental | DELTA DENTAL OF COLORADO | 202 | $77K |
| Vision | EYEMED VISION CARE | 167 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $82K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $57K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.