| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 | 821 17TH ST DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $26K | $26K | 3.91% |
| BOK FINANCIAL INSURANCE3 | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $3K | — | $3K | 4.63% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS. INC. | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $975 | $23 | $998 | 10.23% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS. INC. | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $899 | $19 | $918 | 10.21% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | EYEMED VISION CARE | $628 | — | $628 | 10.24% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. 1200 DENVER, CO 80202 | RELIANCE STANDARD | $526 | — | $526 | 9.99% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. 1200 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $320 | — | $320 | 14.99% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $235 | — | $235 | 17.74% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. 1200 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $159 | — | $159 | 20.00% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 118 | $668K |
| Dental | DELTA DENTAL OF COLORADO | 156 | $62K |
| Vision | EYEMED VISION CARE | 99 | $6K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 65 | $13K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 65 | $10K |
| Other | RELIANCE STANDARD | 21 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.