| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 821 17TH STREET 8TH FLOOR DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $585 | — | $585 | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $216K |
| COBIZ INSURANCE EIN 84-0826324 CONSULTANT | Consulting (general) Service code 16 | 821 17TH STREET 8TH FLOOR DENVER, CO 80202 | $130K |
| DELTA DENTAL OF COLORADO EIN 84-0568337 DENTAL CLAIMS ADMINISTR | Contract Administrator Service code 13 | — | $20K |
| EKS&H LLLP EIN 46-1497033 AUDITOR | Accounting (including auditing) Service code 10 | — | $11K |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 249 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 498 | $78K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 498 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 498 | $78K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 517 | $257K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 498 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.