| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $280 | $280 | 0.20% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $81 | $81 | 0.19% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | EYEMED VISION CARE | $4K | — | $4K | 9.90% |
| JOHNSON RESOURCES3 Filed as: JOHNSON RESOURCES AZ | 7373 E DOUBLETREE SCOTSDALE, AZ 85258 | EYEMED VISION CARE | $759 | — | $759 | 1.98% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $57 | $4K | 15.23% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $40 | $40 | 0.20% |
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 | 681 | 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) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 681 | $2.4M |
| Dental | DELTA DENTAL OF COLORADO | 596 | $219K |
| Vision | EYEMED VISION CARE | 428 | $38K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 485 | $20K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 484 | $142K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 484 | $42K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 485 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.