| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION INC | 6200 SOUTH SYRACUSE WAY SUITE 460 GREENWOOD VILLAGE, CO 80111 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $812 | $3K | 8.65% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.04% |
| INS EXCHANGE LLC3 | 5 ROEHM COURT WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $323 | $1K | 3.65% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE SUITE 700 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $57 | $1K | 2.74% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $114 | $114 | 0.28% |
| BETA HEALTH ASSOCIATION3 | 9725 EAST HAMPDEN AVENUE SUITE 400 DENVER, CO 80231 | EYEMED VISION CARE | $755 | $0 | $755 | 6.67% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 821 17TH STREET DENVER, CO 80202 | EYEMED VISION CARE | $457 | $0 | $457 | 4.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE | $390 | $0 | $390 | 3.45% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | EYEMED VISION CARE | $161 | $0 | $161 | 1.42% |
| BETA HEALTH ASSOCIATION3 | 5575 TECH CENTER DRIVE DENVER, CO 80919 | EYEMED VISION CARE | $52 | $0 | $52 | 0.46% |
| COBIZ INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | BETA HEALTH | $253 | $0 | $253 | 4.46% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE SUITE 700 DENVER, CO 80237 | BETA HEALTH | $229 | $0 | $229 | 4.03% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $46K |
| Vision | EYEMED VISION CARE | 184 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $8K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $8K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $8K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.