| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.53% |
| BOK FINANCIAL INSURANCE3 | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 16.87% |
| BOK FINANCIAL INSURANCE3 | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $898 | $6K | 16.22% |
| BOK FINANCIAL INSURANCE3 | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $746 | $5K | 16.70% |
| BOK FINANCIAL INSURANCE3 | 1401 LAWRENCE ST STE 1200 DENVER, CO 802022521 | BETA HEALTH ASSOCIATION, INC. | $2K | — | $2K | 9.50% |
| BOK FINANCIAL INSURANCE3 | 1401 LAWRENCE ST STE 1200 DENVER, CO 802022521 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $388 | — | $388 | 9.51% |
| DANIELS BENE SPECIALISTS LLC3 | PO BOX 4114 GREENWOOD VILLAGE, CO 80155 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $141 | — | $141 | 3.46% |
| CRS GROUP BENEFITS INC3 | 6600 E HAMPDEN AVE #200 DENVER, CO 80224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $95 | — | $95 | 2.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INS SVCS INC, | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31 | $4 | $35 | 0.86% |
| COBIZ INSURANCE | 16767 N PERIMETER DR STE 200 SCOTTSDALE, AZ 852601062 | VISION SERVICE PLAN | $282 | — | $282 | 10.01% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 131 | $91K |
| Vision | VISION SERVICE PLAN | 0 | $3K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $32K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.