| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 499 WEST SHERIDAN AVENUE SUITE 2700 OKLAHOMA CITY, OK 73102 | HARTFORD LIFE AND ACCIDENT | $28K | $0 | $28K | 12.64% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 2.77% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 5.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 5.00% |
| TRAVIS J HART3 Filed as: TRAVIS J. HART | UNKNOWN SHELTON, CT 06484 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | $0 | $29 | 0.02% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $193K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $193K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 248 | $224K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 248 | $224K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 248 | $224K |
| Other | HARTFORD LIFE AND ACCIDENT | 248 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.