| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD SUITE 250 PHEONIX, AZ 85016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $13K | $13K | 0.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $132K | — | $132K | 5.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $82K | $82K | 3.66% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | $11K | $49K | 2.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $11K | — | $11K | 6.23% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE C/O BOK FINANCIAL | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $5K | — | $5K | 2.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2375 CAMELBACK ROAD SUITE 250 PHOENIX, AZ 85016 | VISION SERVICE PLAN | $1K | — | $1K | 0.83% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 17.38% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 14.43% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 16.24% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 32.45% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 20.50% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 23.37% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 16.17% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 20.63% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 20.32% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 21.61% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $506 | — | $506 | 11.52% |
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 | 1,727 | 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) | 1,732 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,321 | $17.0M |
| Vision | VISION SERVICE PLAN | 1,166 | $176K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,784 | $2.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,784 | $2.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,784 | $2.2M |
| Other(12 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,784 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,784 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.