| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 | 821 17TH ST. DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $88K | $88K | 3.71% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $6K | $127 | $6K | 15.31% |
| COBIZ INSURANCE3 | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $86 | $5K | 15.26% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $71 | $4K | 15.29% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $45 | $3K | 15.26% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 32.27% |
| JEFFREY P PRICE3 Filed as: JEFFREY PRICE | 3864 S QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 21.24% |
| KRISTA K PRICE3 Filed as: KRISTA PRICE | 3864 S QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $488 | — | $488 | 4.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL EIN 84-0568337 PLAN ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 173803 DENVER, CO 80217 | $41K |
| EMPEREON MARKETING LLC | Contract Administrator Service code 13 | — | $0 |
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 | 517 | 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) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 517 | $2.4M |
| Vision | VISION SERVICE PLAN | 418 | $40K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 1,469 | $41K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 754 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 269 | $17K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 1,469 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,469 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.