| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 | 16767 NORTH PERIMETER DRIVE SUITE 200 SCOTTSDALE, AZ 85260 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 6.58% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 909 PINNACLE PONTE WAY KNOXVILLE, TN 37922 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 6.30% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 151 MAJOR REYNOLDS PLACE SUITE 210 KNOXVILLE, TN 37919 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 1.21% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD SUITE 204 - 306 ORLANDO, FL 32832 | HARTFORD LIFE AND ACCIDENT | $528 | $0 | $528 | 0.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS | PO BOX 650823 DALLAS, TX 75265 | HARTFORD LIFE AND ACCIDENT | -$1 | $0 | -$1 | -0.00% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $14K | $0 | $14K | 6.90% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | DELTA DENTAL OF COLORADO | $8K | $0 | $8K | 3.91% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.35% |
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 | 1,773 | 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) | 1,773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 910 | $210K |
| Vision | VISION SERVICE PLAN | 454 | $60K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,773 | $219K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,773 | $219K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,773 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,773 | — |
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.