| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 | 821 17TH STREET 8TH FLOOR DENVER, CO 80203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $9K | $37K | 8.07% |
| FINANCIAL DESIGNS INC3 Filed as: FINANCIAL DESIGNS LTD | 821 17TH STREET SUITE 800 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $13K | — | $13K | 3.17% |
| COBIZ INSURANCE3 | 821 17TH STREET SUITE 800 DENVER, CO 80202 | VISION SERVICE PLAN | $2K | — | $2K | 2.68% |
| COBIZ INSURANCE3 | 821 17TH STREET SUITE 800 DENVER, CO 80203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $98 | — | $98 | 10.04% |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC | 406 | $2.1M |
| Dental | DELTA DENTAL OF COLORADO | 452 | $401K |
| Vision | VISION SERVICE PLAN | 428 | $93K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $457K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $458K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $457K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.