| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $5K | — | $5K | 2.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $2K | — | $2K | 1.09% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $3K | $31K | 15.28% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER ST #600 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 6565 AMERICAS PARKWAY NE STE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70 | $28 | $98 | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY | $8K | — | $8K | 4.08% |
| BENEFIT SOURCE INC3 | 1804 JUAN TABO BLVD NE STE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 3.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 2.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 4.34% |
| BENEFIT SOURCE INC3 | 1804 JUAN TABO BLVD NE STE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 3.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 3.07% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 18.12% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER ST #600 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE STE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52 | $21 | $73 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 3135 ALBUQUERQUE, NM 87109 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $3K | — | $3K | 2.26% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $3K | — | $3K | 2.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $4K | — | $4K | 5.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | VISION SERVICE PLAN | $2K | — | $2K | 2.67% |
| LORRAINE CHAVEZ3 Filed as: LORRAINE Y. CHAVEZ INSURANCE AGENCY | 8224 LOUISIANA BLVD NE STE A ALBUQUERQUE, NM 87113 | VISION SERVICE PLAN | $2K | — | $2K | 1.79% |
| NATIVE AMERICAN INSURANCE GROUP3 | PO BOX 1290 ISLETA, NM 87022 | VISION SERVICE PLAN | $2K | — | $2K | 1.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 8.76% |
| BENEFIT SOURCE INC3 | 1804 JUAN TABO BLVD NE STE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 6.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 10.38% |
| BENEFIT SOURCE INC3 | 1804 JUAN TABO BLVD NE STE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 9.64% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 8.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | COMPANION LIFE INSURANCE COMPANY | $622 | — | $622 | 9.07% |
| BENEFIT SOURCE INC3 | 1804 JUAN TABO BLVD NE STE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $515 | — | $515 | 7.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY | $407 | — | $407 | 5.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 3135 ALBUQUERQUE, NM 87190 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $135 | — | $135 | 2.55% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $104 | — | $104 | 1.96% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY | $755 | — | $755 | 15.01% |
| BENEFIT SOURCE INC3 | 1804 JUAN TABO BLVD NE STE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $378 | — | $378 | 7.52% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $200 | — | $200 | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 3135 ALBUQUERQUE, NM 87190 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $56 | — | $56 | 1.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | COMPANION LIFE INSURANCE COMPANY | $176 | — | $176 | 9.62% |
| BENEFIT SOURCE INC3 | 1804 JUAN TABO BLVD NE STE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $137 | — | $137 | 7.49% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY | $98 | — | $98 | 5.36% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 4.95% |
| LORRAINE CHAVEZ3 Filed as: LORRAINE Y CHAVEZ INSURANCE | 8224 LOUISIANA BLVD NE STE A ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 4.95% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO LLC | 4582 S ULSTER ST #600 DENVER, CO 80237 | COMPANION LIFE INSURANCE COMPANY | $72 | — | $72 | 15.00% |
| BENEFIT SOURCE INC3 | 1804 JUAN TABO BLVD NE STE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $36 | — | $36 | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUDSON INSURANCE COMPANY EIN 75-1637737 SERVICE PROVIDER | Claims processing; Other insurance wrap fees; Other insurance fees and expenses Service code 12 | — | $712K |
| HEALTHSMART BENEFIT SOLUTIONS EIN 36-4099199 SERVICE PROVIDER | Insurance services; Other insurance fees and expenses; Contract Administrator; Claims processing; Other services Service code 12 | — | $303K |
| HUB INTERNATIONAL INS SERVICES BROKER | Consulting fees; Insurance brokerage commissions and fees Service code 53 | PO BOX 2158 RIVERSIDE, CA 92516 | $150K |
| HEALTHSMART CARE MANAGEMENT EIN 75-2960859 SERVICE PROVIDER | Other insurance fees and expenses; Claims processing; Insurance services; Other services; Contract Administrator Service code 12 | — | $75K |
| ASSURED PARTNERS OF COLORADO BROKER | Consulting fees; Insurance brokerage commissions and fees Service code 53 | 4582 S ULSTER ST SUITE 600 DENVER, CO 80237 | $50K |
| TELADOC INC EIN 04-3705970 SERVICE PROVIDER | Other insurance fees and expenses; Other services Service code 49 | — | $18K |
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 | 917 | 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) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts) | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 712 | $347K |
| Vision | VISION SERVICE PLAN | 978 | $88K |
| Life insurance(8 contracts) | COMPANION LIFE INSURANCE COMPANY | 761 | $422K |
| Short-term disability(4 contracts) | COMPANION LIFE INSURANCE COMPANY | 761 | $340K |
| Long-term disability(4 contracts) | COMPANION LIFE INSURANCE COMPANY | 761 | $340K |
| Other(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 917 | $684K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.