| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 821 17TH ST DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | $0 | $42K | 3.26% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 821 17TH ST 8TH FL DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $7K | $0 | $7K | 5.93% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 821 17TH ST STE 800 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMAPNY | $3K | $792 | $4K | 18.55% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 821 17TH ST STE 800 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMAPNY | $2K | $602 | $3K | 18.72% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 821 17TH ST STE 800 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $538 | $3K | 18.61% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 821 17TH ST STE 800 DENVER, CO 80202 | THE HARTFORD | $113 | $0 | $113 | 15.07% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $1.3M |
| Dental | DELTA DENTAL OF COLORADO | 372 | $114K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMAPNY | 139 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMAPNY | 139 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.