| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE Filed as: BOK FINANCIAL INSURANCE INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80264 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $1K | $9K | 12.22% |
| BOK FINANCIAL INSURANCE Filed as: BOK FINANCIAL INSURANCE INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80264 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $506 | $7K | 17.41% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80264 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $418 | $5K | 17.76% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80264 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $388 | $5K | 17.75% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIALINSURANCE | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | BETA HEALTH ASSOCIATION, INC. | $1K | — | $1K | 9.50% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $935 | — | $935 | 12.60% |
| GREG DANIELS3 | PO BOX 2684 PARKER, CO 80134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $71 | — | $71 | 0.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ALANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62 | — | $62 | 0.84% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.36% |
| DANIELS BENE SPECIALISTS LLC3 | PO BOX 4114 GREENWOOD VILLAGE, CO 80155 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.16% |
| CRS GROUP BENEFITS INC3 Filed as: CRS GROUP BENEFITS | 6600 E HAMPDEN AVE #200 DENVER, CO 80224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.07% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 123 | $85K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 123 | $74K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $28K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.