| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 | 821 17TH STREET DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.32% |
| COBIZ INSURANCE3 | 821 17TH ST. DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $21K | $4K | $25K | 17.71% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH ST. SUITE 800 DENVER, CO 80202 | ALLSTATE WORKPLACE DIVISION | $2K | — | $2K | 10.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 HEALTH INSURANCE PROVIDER | Contract Administrator; Other services; Direct payment from the plan; Participant communication; Float revenue; Non-monetary compensation; Claims processing; Named fiduciary Service code 12 | — | $48K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 ADMIN SERVICES - DENTAL | Insurance agents and brokers; Claims processing; Other commissions; Other fees Service code 12 | — | $19K |
| ROCKY MOUNTAIN RESERVE EIN 26-4747121 ADMIN | Plan Administrator Service code 14 | — | $1K |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 483 | $695K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 477 | $143K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 477 | $143K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 477 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.