| 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. | — | $17K | $17K | 3.78% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 4.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS. INC. | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $897 | — | $897 | 9.99% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS. INC. | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $787 | — | $787 | 10.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC. | 16767 N PERIMETER DR. STE 200 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD | $442 | — | $442 | 9.98% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC. | 16767 N PERIMETER DR. PHOENIX, AZ 85260 | EYEMED VISION CARE | $433 | — | $433 | 10.71% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC. | 16767 N PERIMETER DR. STE 200 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $526 | — | $526 | 14.99% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC. | 16767 N PERIMETER DR. STE 200 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $272 | — | $272 | 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 | $99 | — | $99 | 20.00% |
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 | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 71 | $456K |
| Dental | DELTA DENTAL OF COLORADO | 115 | $40K |
| Vision | EYEMED VISION CARE | 92 | $4K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $14K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 53 | $8K |
| Other | RELIANCE STANDARD | 13 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.