| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $125K | $45K | $170K | 10.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $63K | — | $63K | 3.78% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE C/O BOK FINANCIAL | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $14K | — | $14K | 10.09% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | ALLSTATE BENEFITS | $12K | — | $12K | 18.25% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY SUITE 9 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 12.43% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 17.17% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 17.42% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 22.19% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CA 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 20.43% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 20.38% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 21.56% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 NORTH BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $825 | — | $825 | 21.51% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 BROADWAY SUITE 9 DENVER, CO 80202 | ALLSTATE BENEFITS | $499 | — | $499 | 14.36% |
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 | 1,182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,192 | $13.7M |
| Vision | VISION SERVICE PLAN | 1,037 | $140K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,571 | $1.7M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,571 | $1.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,571 | $1.7M |
| Other(12 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,571 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,571 | — |
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."
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.