| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $83K | — | $83K | 7.88% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $6K | $31K | 12.20% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 4.96% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | $1K | $24K | 10.40% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE C/O BOK FINANCIAL | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $2K | — | $2K | 3.63% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $3K | — | $3K | 10.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $32 | — | $32 | 10.13% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | CIGNA DENTAL HEALTH PLAN OF PENNSYLVANIA, INC. | $3 | — | $3 | 11.54% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF IOWA | $2K | $465 | $2K | — |
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 | 611 | 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) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 272 | $259K |
| Vision | VISION SERVICE PLAN | 309 | $47K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 435 | $251K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 435 | $251K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 411 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 435 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.