| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | CIGNA | $81K | — | $81K | 10.23% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $12K | — | $12K | 5.01% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.40% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.45% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.75% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $2K | — | $2K | 3.73% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 19.96% |
| SHERRY SWEDENBORG4 Filed as: SHERRY L SWEDENBORG | 4500 S MONACO ST APT 2021 DENVER, CO 80237 | LEGALSHIELD | $2K | — | $2K | 23.34% |
| BLUMICA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD ST PMB 271 WHEAT RIDGE, CO 80033 | LEGALSHIELD | $55 | — | $55 | 0.54% |
| MARY L. ROMERO4 Filed as: MARY L ROMERO | 20439 AGER BESWICK ROAD MONTAGUE, CA 96064 | LEGALSHIELD | $29 | — | $29 | 0.28% |
| BOK FINANCIAL INSURANCE3 | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $150 | — | $150 | 15.00% |
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 | 396 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 354 | $793K |
| Dental | DELTA DENTAL OF COLORADO | 350 | $246K |
| Vision | VISION SERVICE PLAN | 256 | $50K |
| Life insurance | STANDARD INSURANCE COMPANY | 467 | $70K |
| Short-term disability | STANDARD INSURANCE COMPANY | 468 | $164K |
| Long-term disability | STANDARD INSURANCE COMPANY | 468 | $80K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 396 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.