| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH STREET SUITE 800 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 8.06% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.83% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.38% |
| GBS BENEFITS INC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $700 | — | $700 | 1.64% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $352 | — | $352 | 0.83% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH STREET SUITE 800 DENVER, CO 80202 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $161 | $1K | 13.85% |
| VB ADVISORS LLC3 Filed as: VB ADVISORS | 2040 TERRY STREET SUITE 101 LONGMONT, CO 80501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $271 | — | $271 | 2.85% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $376K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $43K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 304 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $9K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.