| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC | 1401 LAWRENCE ST DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.24% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC | 1600 N BROADWAY 9TH FLOOR DENVER, CO 80264 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $167 | $2K | 16.25% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC | 1401 LAWRENCE ST. DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 23.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $192K |
| BOK FINANCIAL INSURANCE EIN 84-0826324 CONSULTANT | Consulting (general) Service code 16 | — | $116K |
| STARMARK MANAGEMENT HOLDINGS, LLC EIN 41-1867736 EMPLOYEE (PLAN SPONSOR) | Employee (plan sponsor) Service code 35 | — | $57K |
| ALIGHT SOLUTIONS EIN 86-1061233 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $18K |
| DELTA DENTAL OF COLORADO EIN 84-0568337 DENTAL CLAIMS ADMINISTR | Contract Administrator Service code 13 | — | $18K |
| PLANTE & MORAN LLP EIN 38-1357951 AUDITOR | Accounting (including auditing) Service code 10 | — | $11K |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 207 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $82K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $82K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $82K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $252K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.