| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 111 SOUTH TEJON STREET, SUITE 113 COLORADO SPRINGS, CO 80903 | HUMANA HEALTH PLAN, INC. | $18K | $0 | $18K | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | DELTA DENTAL OF COLORADO | $2K | $0 | $2K | 9.23% |
| MY BENEFITS HELP INC3 Filed as: MY BENEFITS HELP INC. | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $307 | $0 | $307 | 5.75% |
| BRIAN E. CORSI3 | 813 DESERT FLOWER BOULEVARD PUEBLO, CO 81001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | $0 | $140 | 2.62% |
| CHARLES DAVIS3 | 6799 BISMARK ROAD, SUITE F COLORADO SPRINGS, CO 80922 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.52% |
| PBS BENEFITS SOLUTIONS3 | 10465 MELODY DRIVE, SUITE 117 NORTHGLENN, CO 80234 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 111 SOUTH TEJON STREET, SUITE 113 COLORADO SPRINGS, CO 80903 | HUMANA INSURANCE COMPANY | $374 | $0 | $374 | 9.98% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 46 | $356K |
| Dental | DELTA DENTAL OF COLORADO | 51 | $17K |
| Vision | HUMANA INSURANCE COMPANY | 43 | $4K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 117 | $5K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 117 | $5K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 117 | $5K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 46 | $356K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 117 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.