| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| COBIZ INSURANCE3 | 821 17TH STREET SUITE 200 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.49% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $3K | $0 | $3K | 4.97% |
| THURMAN ERGENBRIGHT II3 Filed as: THURMAN ERGENBRIGHT | 6522 SHEA PLACE HIGHLAND RANCH, CO 80130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $564 | $0 | $564 | 4.02% |
| KATHERINE ANDERSON3 Filed as: KATHERINE S. KEAST-ANDERSON | 8601 TURNPIKE DRIVE, SUITE 206 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $420 | $0 | $420 | 2.99% |
| LISA M HALL3 Filed as: LISA M. HALL | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | $0 | $186 | 1.32% |
| CHAD ATWOOD3 | 1511 60TH AVENUE GREELEY, CO 80634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.19% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DELOSSANTOS III | 155 IVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.19% |
| TINA WAY3 Filed as: TINA R. WAY | 155 IVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.19% |
| COBIZ INSURANCE3 | 16767 NORTH PERIMETER DRIVE SUITE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $805 | $0 | $805 | 6.97% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 211 | $78K |
| Vision(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 74 | $26K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $91K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $77K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.