| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC. | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $29K | $29K | 4.00% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $3K | — | $3K | 5.02% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS. INC. | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $959 | — | $959 | 9.99% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS. INC. | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $869 | — | $869 | 10.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC. | 16767 N PERIMETER DR. STE 200 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD | $848 | — | $848 | 10.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC. | 2600 N CENTRAL AVE. STE 1950 PHOENIX, AZ 85004 | EYEMED VISION CARE | $266 | — | $266 | 4.43% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC. | 16767 N PERIMETER DR. STE 200 SCOTTSDALE, AZ 85260 | EYEMED VISION CARE | $234 | — | $234 | 3.90% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | EYEMED VISION CARE | $97 | — | $97 | 1.61% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC. | 16767 N PERIMETER DR. STE 200 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $788 | — | $788 | 14.98% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC. | 16767 N PERIMETER DR. STE 200 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $503 | — | $503 | 20.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC. | 16767 N PERIMETER DR. STE 200 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $286 | — | $286 | 19.99% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 117 | $733K |
| Dental | DELTA DENTAL OF COLORADO | 145 | $56K |
| Vision | EYEMED VISION CARE | 115 | $6K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $17K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $10K |
| Other | RELIANCE STANDARD | 34 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.