| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 1125 17TH ST STE 900 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 5.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FREEWAY STE 100 DALLAS, TX 75244 | DELTA DENTAL OF COLORADO | $715 | — | $715 | 2.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALI | 111 S TEJON, STE 113 COLORADO SPRINGS, CO 80903 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| BENEFITMALL3 | 4643 S ULSTER ST, STE 200 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $251 | $251 | 1.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $533 | — | $533 | 9.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 4851 L B J FWY STE 100 DALLAS, TX 75244 | VISION SERVICE PLAN | $141 | — | $141 | 2.49% |
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 | 198 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NEW BENEFITS, LTD. | 198 | $3K |
| Dental | DELTA DENTAL OF COLORADO | 287 | $35K |
| Vision | VISION SERVICE PLAN | 126 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $19K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.