| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE EMPLOYEE BENEFITS | 821 17TH ST. 8TH FLOOR DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 0.64% |
| COBIZ INSURANCE3 | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 202914 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $549 | $549 | 0.70% |
| COBIZ INSURANCE3 Filed as: COBIZ INSUANCE | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $533 | $533 | 1.23% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE | PO BOX 202914 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $288 | $288 | 0.67% |
| COBIZ INSURANCE3 | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.68% |
| COBIZ INSURANCE3 | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $117 | $117 | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 202914 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $64 | $64 | 0.70% |
| COBIZ INSURANCE3 | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $330 | $330 | 4.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 PLAN ADMINISTRATOR | Participant communication; Float revenue; Named fiduciary; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $80K |
| CIGNA HEALTH & LIFE INSURANCE CO. | Contract Administrator; Direct payment from the plan; Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Claims processing; Other services Service code 12 | — | $0 |
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 | 535 | 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) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 535 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 535 | $425K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 535 | $425K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 535 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 535 | $78K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 535 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.