| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE STREET DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $831 | $831 | 1.25% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | $1K | $44K | 138.00% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE - EMPLOYEE BENEFITS | 1401 LAWERANCE STREET DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 15.44% |
| COBIZ INSURANCE3 | 16767 NORTH PERIMETER DRIVE SUITE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $1K | — | $1K | 4.97% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC | 1401 LAWRENCE STREET DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $253 | $3K | 16.25% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 1401 LAWRENCE STREET DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 25.10% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $195 | $2K | 12.12% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $32K |
| Vision | VISION SERVICE PLAN | 171 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $66K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.