| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | $3K | $58K | 11.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 2.21% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 9.77% |
| TRAVIS J HART3 | 6455 SOUTH YOSEMITE #300 GREENWOOD VILLAGE, CO 80112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.01% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $6K | — | $6K | 5.01% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80020 | HEALTHIEST YOU | $3K | — | $3K | 20.00% |
| COMPLETE BENEFIT SOLUTIONS3 Filed as: COMPLETE BENEFIT SOLUTIONS LLC THE | — | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 95.95% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC THE GUA | — | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $362 | — | $362 | 4.06% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 118 | $518K |
| Dental | DELTA DENTAL OF COLORADO | 115 | $115K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $210K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $210K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $210K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $218K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.