| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 1600 BROADWAY FLOOR 9 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 2.45% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.06% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 5.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVENUE SUITE 1500 SEATTLE, WA 98101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.01% |
| TRAVIS J HART3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $298 | — | $298 | 0.09% |
| PACIFIC ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 0.00% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY FLOOR 9 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $3K | — | $3K | 1.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6400 SOUTH FIDDLERS GREEN CIRCLE SUITE 2000 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $3K | — | $3K | 1.22% |
| COMPLETE BENEFIT SOLUTIONS3 Filed as: COMPLETE BENEFIT SOLUTIONS LLC THE | — | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.47% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC THE GUA | — | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.68% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80020 | HEALTHIEST YOU | $5K | — | $5K | 12.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HEALTHIEST YOU | $2K | — | $2K | 6.13% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 90 | $523K |
| Dental | DELTA DENTAL OF COLORADO | 237 | $236K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $350K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $350K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $350K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $407K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.