| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $181K | $181K | 3.00% |
| COBIZ INSURANCE3 | 821 17TH STREET 8TH FLOOR DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $4K | $4K | 0.07% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BRAODWAY 9TH FLOOR DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 2.89% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $334 | $334 | 0.06% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $21K | — | $21K | 4.91% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | UNION SECURITY INSURANCE COMPANY | $6K | $978 | $7K | 11.48% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE | $5K | — | $5K | 17.81% |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 563 | $6.0M |
| Dental | DELTA DENTAL OF COLORADO | 572 | $426K |
| Vision | UNION SECURITY INSURANCE COMPANY | 433 | $65K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,080 | $560K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,080 | $560K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,080 | $560K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,080 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,080 | — |
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.