| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $225 | $0 | $225 | 0.07% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | UNITEDHEALTHCARE INSURANCE COMPANY | $177 | $0 | $177 | 0.06% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $16 | $1K | 4.64% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.41% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $691 | $691 | 5.00% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $414 | $414 | 3.00% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 275 | $311K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $27K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $14K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 275 | $311K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.