Form 5500 · Employee benefit plan · PUEBLO, CO
PUEBLO BANK & TRUST COMPANY
The filing calls this plan PUEBLO BANK & TRUST COMPANY EMPLOYEES CAFETERIA PLAN.
PUEBLO BANK & TRUST COMPANY of PUEBLO, CO spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BENEFITS BROKER, INC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 84-0297400 · plan 502 · plan year 2024, filed Jul 29, 2025
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How this plan is funded
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 145 people.
Reported premium across the insured contracts is $696,075, with $56,873 in disclosed broker commissions — about 8.2% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
BENEFITS BROKER, INC is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC, UNUM LIFE INSURANCE COMPANY OF AMERICA and COLONIAL LIFE & ACCIDENT INSURANCE COMPANY. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 145 | Jan 1, 2025 | $490,343 | $37,110 |
| ANTHEM BLUE CROSS BLUE SHIELD/RM HOSPITAL AND MEDICAL SERVICES INC | Dental, Vision | 181 | Jan 1, 2025 | $87,321 | $8,670 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 128 | Jan 1, 2025 | $77,602 | $6,536 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 47 | Jan 1, 2025 | $16,402 | $2,460 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Disability | 32 | Jan 1, 2025 | $24,407 | $2,097 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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