| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 821 17TH STREET DENVER, CO 80202 | AETNA LIFE INSURANCE COMPANY | $38K | $26 | $38K | 2.08% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | AETNA LIFE INSURANCE COMPANY | $27K | $132 | $27K | 1.49% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 821 17TH STREET DENVER, CO 80202 | AETNA HEALTH, INC. | $35K | $0 | $35K | 2.02% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | AETNA HEALTH, INC. | $25K | $0 | $25K | 1.44% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | BANNER HEALTH AND AETNA HEALTH | $6K | $3K | $9K | 2.15% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 821 17TH STREET DENVER, CO 80202 | BANNER HEALTH AND AETNA HEALTH | $7K | $0 | $7K | 1.82% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $10K | $0 | $10K | 5.83% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $7K | $0 | $7K | 4.53% |
| BOK FINANCIAL INSURANCE3 | 1401 LAWRENCE STREET, SUITE 1200 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 14.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $10K | $10K | 10.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 8.37% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 16767 NORTH PERIMETER DRIVE SUITE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.95% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | VISION SERVICE PLAN | $966 | $0 | $966 | 2.01% |
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 | 485 | 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) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 295 | $3.9M |
| Dental | DELTA DENTAL OF COLORADO | 639 | $164K |
| Vision | VISION SERVICE PLAN | 400 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 201 | $97K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 201 | $97K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 295 | $3.9M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 254 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.