| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 1401 LAWRENCE ST. DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.25% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC | 1401 LAWRENCE ST. DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.81% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 1401 LAWRENCE ST. DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 58.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $234K |
| COBIZ INSURANCE EIN 84-0826324 CONSULTANT | Consulting (general) Service code 16 | — | $119K |
| DELTA DENTAL OF COLORADO EIN 84-0568337 DENTAL CLAIMS ADMINISTR | Contract Administrator Service code 13 | — | $18K |
| 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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 241 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $82K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $82K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $82K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 482 | $268K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
No prospect flags tripped on this filing.