| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BRAODWAY 9TH FLOOR DENVER, CO 80202 | PRINCIPAL LIFE INSURANCE COMPANY | $106K | — | $106K | 8.02% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE C/O BOK FINANCIAL | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $13K | — | $13K | 9.55% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 0TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 16.41% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE | $10K | — | $10K | 19.43% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 22.37% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 20.88% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 21.15% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 18.27% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CA 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 23.03% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 22.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVIES | 12331 PEORIA STREET HENDERSON, CO 80640 | CIGNA HEALTH AND LIFE INSURANCCE COMPANY | $1K | — | $1K | 10.03% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 31.46% |
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 | 1,322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 963 | $12.9M |
| Vision | VISION SERVICE PLAN | 846 | $132K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,368 | $1.3M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,368 | $1.3M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,368 | $1.3M |
| Other(11 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,368 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,368 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.