| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE STE 1200 DENVER, CO 80202 | HMO COLORADO, INC. ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC. | $33K | — | $33K | 2.31% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH STREET DENVER, CO 80202 | HMO COLORADO, INC. ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC. | $20K | — | $20K | 1.37% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH ST 8TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $7K | — | $7K | 9.05% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH STREET STE 800 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $74 | $5K | 15.23% |
| COBIZ INSURANCE3 | 1400 LAWRENCE ST. STE 1200 DENVER, CO 80202 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH STREET STE. 800 DENVER, CA 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $39 | $3K | 15.21% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH STREET STE 800 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $29 | $2K | 15.22% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH STREET SUITE 800 DENVER, CA 80202 | ALLSTATE | $2K | — | $2K | 11.85% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH STREET DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $677 | — | $677 | 5.42% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMO COLORADO, INC. ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC. | 194 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL OF COLORADO | 162 | $86K |
| Vision | VISION SERVICE PLAN | 119 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $32K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $19K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.