| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $185K | $185K | 3.86% |
| COBIZ INSURANCE3 | 821 17TH STREET 8TH FLOOR DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $4K | $4K | 0.08% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 821 17TH STREET DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.24% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $239 | $239 | 0.05% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $17K | — | $17K | 5.02% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 821 17TH STREET SUITE 800 DENVER, CO 80202 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 10.06% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE | $6K | — | $6K | 19.11% |
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 | 695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 378 | $4.8M |
| Dental | DELTA DENTAL OF COLORADO | 929 | $332K |
| Vision | UNION SECURITY INSURANCE COMPANY | 331 | $49K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 698 | $473K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 698 | $473K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 698 | $473K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 698 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 929 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.