| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 499 WEST SHERIDAN AVENUE 27TH FLOOR OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $14K | $19K | 6.93% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.22% |
| BRADLEY GAUTHREAUX3 | 2229 CANDLEGLOW STREET CASTLE ROCK, CO 80109 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 34.06% |
| CHOICE INSURANCE SERVICES LLC3 Filed as: CHOICE INSURANCE SERVICES, LLC | 2229 CANDLEGLOW STREET CASTLE ROCK, CO 80109 | STANDARD INSURANCE COMPANY | $653 | $0 | $653 | 1.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 1600 NORTH BROADWAY, 9TH FLOOR DENVER, CO 80020 | HEALTHIEST YOU | $5K | $0 | $5K | 12.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23462 | HEALTHIEST YOU | $3K | — | $3K | 7.97% |
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 | 454 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 454 | $274K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 454 | $274K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 454 | $274K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 454 | $274K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 454 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.