| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE ST SUITE 1200 DENVER, CO 80202 | CIGNA | — | $53K | $53K | 3.39% |
| BOK FINANCIAL INSURANCE | 1401 LAWRENCE ST SUITE 1200 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $7K | — | $7K | 5.98% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $69 | $6K | 15.19% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 821 17TH ST STE 800 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $43 | $3K | 15.22% |
| COBIZ INSURANCE3 | 821 17TH ST 8TH FLOOR DENVER, CO 80202 | HUMANA | $1K | $0 | $1K | 6.41% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $43 | $3K | 15.23% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 25 | $1.6M |
| Dental | DELTA DENTAL OF COLORADO | 340 | $120K |
| Vision | HUMANA | 88 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $20K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
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.