| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | CIGNA | $65K | — | $65K | 12.51% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1400 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $11K | — | $11K | 5.02% |
| COBIZ INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.62% |
| COBIZ INSURANCE3 | 1400 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.73% |
| COBIZ INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.48% |
| COBIZ INSURANCE3 | 1400 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| VARIOUS - SEE ATTACHED3 Filed as: CONTINENTAL AMERICAN INSURANCE COMP | PO BOX 427 COLUMIBA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 18.31% |
| SHERRY SWEDENBORG4 Filed as: SHERRY L SWEDENBORG | 4500 S MONACO ST APT 2021 DENVER, CO 80237 | LEGALSHIELD | $604 | — | $604 | 12.44% |
| BLUMICA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD ST PMB 271 WHEAT RIDGE, CO 80033 | LEGALSHIELD | $228 | — | $228 | 4.70% |
| COBIZ INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $150 | — | $150 | 15.00% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 308 | $516K |
| Dental | DELTA DENTAL OF COLORADO | 324 | $223K |
| Vision | VISION SERVICE PLAN | 218 | $42K |
| Life insurance | STANDARD INSURANCE COMPANY | 362 | $51K |
| Short-term disability | STANDARD INSURANCE COMPANY | 362 | $103K |
| Long-term disability | STANDARD INSURANCE COMPANY | 362 | $107K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 362 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.