| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $27K | $186 | $28K | 5.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | DELTA DENTAL | $4K | $0 | $4K | 9.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | AFLAC | $1K | $0 | $1K | 6.12% |
| MJ INSURANCE3 Filed as: TIMOTHY ASBY AND VARIOUS AGENTS | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $648 | $62 | $710 | 3.43% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $661 | $17 | $678 | 3.28% |
| JASON LUCERO3 | 13453 TAMARAC PLACE THORNTON, CO 80602 | AFLAC | $453 | $23 | $476 | 2.30% |
| JENNIFER L FOSS3 Filed as: JENNIFER FOSS | 9034 EAST EASTER PLACE, SUITE 202 CENTENNIAL, CO 80112 | AFLAC | $334 | $17 | $351 | 1.70% |
| KURT BEERLINE3 | 3088 DEER CREEK TRAIL LITTLETON, CO 80129 | AFLAC | $248 | $0 | $248 | 1.20% |
| JENNIFER L FREEMAN3 Filed as: JENNIFER FREEMAN | 4879 STREAMBED TRAIL PARKER, CO 80134 | AFLAC | $98 | $0 | $98 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | LINCOLN FINANCIAL | $2K | $175 | $2K | 15.68% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 89 | $526K |
| Dental | DELTA DENTAL | 87 | $42K |
| Life insurance | LINCOLN FINANCIAL | 120 | $14K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 89 | $526K |
| Other(2 contracts, 2 carriers) | AFLAC | 120 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.