| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2000 SOUTH COLORADO BOULEVRD TOWER 2, SUITE 150 DENVER, CO 80222 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $30K | $2K | $32K | 6.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2000 SOUTH COLORADO BOULEVRD TOWER 2, SUITE 150 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $4K | $0 | $4K | 9.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2000 SOUTH COLORADO BOULEVRD TOWER 2, SUITE 150 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $316 | $3K | 16.56% |
| BRUCE BALLENGER3 Filed as: BRUCE BALLENGER AND OTHER AGENTS | PO BOX 62385 COLORADO SPRINGS, CO 80962 | AFLAC | $484 | $49 | $533 | 3.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2000 SOUTH COLORADO BOULEVRD TOWER 2, SUITE 150 DENVER, CO 80222 | AFLAC | $458 | $0 | $458 | 3.24% |
| REGINA K SANTANGELO3 Filed as: REGINA K. SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $414 | $8 | $422 | 2.99% |
| JEREMY M EANES3 Filed as: JEREMY EANES | 21729 EAST MERCER PLACE AURORA, CO 80018 | AFLAC | $237 | $0 | $237 | 1.68% |
| JENNIFER L FREEMAN3 Filed as: JENNIFER L. FREEMAN | 4879 STREAMBED TRAIL PARKER, CO 80134 | AFLAC | $122 | $0 | $122 | 0.86% |
| DAVID G RUFF3 Filed as: DAVID G. RUFF | PO BOX 601 LAFAYETTE, CO 80026 | AFLAC | $83 | $0 | $83 | 0.59% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 11500 GOLDEN WILLOW COURT ZIONVILLE, IN 46077 | AFLAC | $61 | $0 | $61 | 0.43% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 100 | $488K |
| Dental | DELTA DENTAL OF COLORADO | 94 | $45K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $15K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 100 | $488K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.