| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETA HEALTH ASSOCIATION | 9725 E HAMPDEN AVE STE 400 DENVER, CO 80231 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 7.34% |
| CRS GROUP BENEFITS INC3 | 6600 E HAMPDEN AVE #200 DENVER, CO 80224 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $2K | — | $2K | 7.25% |
| COBIZ INSURANCE | 1401 LAWRENCE ST STE 1200 DENVER, CO 802022521 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $394 | — | $394 | 1.44% |
| CRS GROUP BENEFITS INC | 6600 E HAMPDEN AVE #200 DENVER, CO 80224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.24% |
| COBIZ INSURANCE | 1401 LAWRENCE ST STE 1200 DENVER, CO 802022521 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $570 | — | $570 | 2.09% |
| CRS GROUP BENEFITS INC | 6600 E HAMPDEN AVE #200 DENVER, CO 80224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.55% |
| COBIZ INSURANCE | 1401 LAWRENCE ST STE 1200 DENVER, CO 802022521 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $569 | — | $569 | 2.45% |
| COBIZ INSURANCE | 1401 LAWRENCE ST STE 1200 DENVER, CO 802022521 | VISION SERVICE PLAN | $432 | — | $432 | 2.20% |
| BOK FINANCIAL INSURANCE | 1401 LAWRENCE ST STE 1200 DENVER, CO 802022521 | BETA HEALTH ASSOCIATION, INC. | $343 | — | $343 | 2.20% |
| CRS GROUP BENEFITS INC3 | 6600 E HAMPDEN AVE STE 200 DENVER, CO 80224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.40% |
| COBIZ INSURANCE | 1401 LAWRENCE ST STE 1200 DENVER, CO 802022521 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $255 | — | $255 | 2.30% |
| DANIELS BENE SPECIALISTS LLC | PO BOX 4114 GREENWOOD VILLAGE, CO 80155 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $197 | — | $197 | 7.77% |
| CRS GROUP BENEFITS INC | 6600 E HAMPDEN AVE #200 DENVER, CO 80224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $149 | — | $149 | 5.88% |
| CBIZ BENEFITS & INSURANCE SERVICES Filed as: CBIZ BENEFITS AND INS SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33 | — | $33 | 1.30% |
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 | 248 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 126 | $68K |
| Vision | VISION SERVICE PLAN | 107 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $34K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 191 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $27K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.