| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE EMPLOYEE | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $4K | $13K | 7.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $574 | $11K | 6.72% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE EMPLOYEE | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $4K | $11K | 8.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $447 | $9K | 6.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $253 | $8K | 6.18% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE EMPLOYEE | 1401 LAWRENCE ST. SUITE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARMADACARE | $988 | — | $988 | 0.91% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | ARMADACARE | $750 | — | $750 | 0.69% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 821 17TH STREET SUITE 800 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 29.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN. | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 1600 N BROADWAY 9TH FLOOR DENVER, CO 80020 | HEALTHIEST YOU | $12K | — | $12K | 20.00% |
| BOK FINANCIAL INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | BETA HEALTH ASSOCIATION, INC. | $259 | — | $259 | 4.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BETA HEALTH ASSOCIATION, INC. | $164 | — | $164 | 2.95% |
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 | 3,152 | 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) | 3,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BETA HEALTH ASSOCIATION, INC. | 29 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,152 | $131K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 501 | $158K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 501 | $139K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,152 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,152 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.