| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | CIGNA | $69K | — | $69K | 12.29% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1400 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $12K | — | $12K | 4.98% |
| COBIZ INSURANCE3 | 1400 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | $810 | $5K | 4.46% |
| COBIZ INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $5K | $818 | $6K | 5.39% |
| COBIZ INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | $414 | $4K | 6.54% |
| COBIZ INSURANCE3 | 1400 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | VISION SERVICE PLAN | $2K | — | $2K | 3.94% |
| VARIOUS - SEE ATTACHED3 Filed as: CONTINENTAL AMERICAN INSURANCE COMP | PO BOX 427 COLUMIBA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 20.68% |
| COBIZ INSURANCE3 | 1400 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.11% |
| BLUMICA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD ST PMB 271 WHEAT RIDGE, CO 80033 | LEGALSHIELD | $1K | — | $1K | 15.51% |
| SHERRY SWEDENBORG4 Filed as: SHERRY L SWEDENBORG | 4500 S MONACO ST APT 2021 DENVER, CO 80237 | LEGALSHIELD | $911 | — | $911 | 11.18% |
| DERYK B PETERSEN4 | 808 LE COVE ST VIRGINIA BEACH, VA 23464 | LEGALSHIELD | $8 | — | $8 | 0.10% |
| COBIZ INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $150 | $20 | $170 | 17.00% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 317 | $563K |
| Dental | DELTA DENTAL OF COLORADO | 328 | $234K |
| Vision | VISION SERVICE PLAN | 205 | $44K |
| Life insurance | STANDARD INSURANCE COMPANY | 388 | $54K |
| Short-term disability | STANDARD INSURANCE COMPANY | 388 | $110K |
| Long-term disability | STANDARD INSURANCE COMPANY | 388 | $109K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 388 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.