| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 | 821 17TH STREET DENVER, CO 80202 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $35K | $41K | $76K | 19.46% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INCORPORATED | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $3K | — | $3K | 4.98% |
| CORBIZ INSURANCE INCORPORATED3 | 821 17TH STREET DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CORBIZ INSURANCE INCORPORATED3 | 821 17TH STREET DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INCORPORATED | 821 17TH STREET DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THURMAN ERGENBRIGHT II3 Filed as: THURMAN ERGENBRIGHT | 6522 SHEA PLACE HIGHLAN RANCH, CO 80130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $593 | — | $593 | 4.17% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S KEAST-ANDERSON | 8601 TURNPIKE DRIVE SUITE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $433 | — | $433 | 3.05% |
| LISA M HALL3 | 8601 TURNPIKE DRIVE SUITE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 1.42% |
| JOSE DE LOS SANTOS III3 | 155 INVERENSS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.20% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.20% |
| LISA A PERRI3 Filed as: LISA PERRY | 1300 WEST 12TH AVENUE BROOMFIELD, CO 80020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 861 NORTH AUBURNDALE STREET MEMPHIS, TN 38107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| COBIZ INSURANCE3 | 1400 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | VISION SERVICE PLAN | $856 | — | $856 | 6.59% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INCORPORATED | 821 17TH STREET DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 94 | $390K |
| Dental | DELTA DENTAL OF COLORADO | 94 | $60K |
| Vision | VISION SERVICE PLAN | 76 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $16K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.