| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBIZ INSURANCE3 | 1401 LAWRENE ST. STE 1400 DENVER, CO 80202 | HEALTH ADVANTAGE | $0 | $69K | $69K | 5.09% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 90202 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $71 | $13K | 10.14% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $110 | $5K | 10.23% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $76 | $3K | 10.24% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $74 | $3K | 10.23% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $74 | $4K | 11.19% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $423 | — | $423 | 15.02% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $64 | $64 | 2.27% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 390 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 510 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 510 | $131K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $47K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $32K |
| Prescription drug | HEALTH ADVANTAGE | 390 | $1.3M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.