| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 2600 N CENTRAL AVE SUITE 1950 PHOENIX, AZ 85004 | CIGNA HEALTH | — | $45K | $45K | 3.01% |
| COBIZ INSURANCE3 | 1401 LAWRENCE ST #1200 DENVER, CO 80202 | CIGNA HEALTH | $3K | — | $3K | 0.22% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 1600 BROADWAY ST 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL | $7K | — | $7K | 6.15% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 1600 BROADWAY ST 9TH FL DENVER, CO 80202 | LINCOLN FINANCIAL GROUP | $7K | — | $7K | 15.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 1600 BROADWAY ST 9TH FL DENVER, CO 80202 | LINCOLN FINANCIAL GROUP | $359 | — | $359 | 1.50% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 1600 BROADWAY ST 9TH FL DENVER, CO 80202 | LINCOLN FINANCIAL | $3K | — | $3K | 15.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL | 1600 BROADWAY ST 9TH FLOOR DENVER, CO 80202 | HUMANA | $1K | — | $1K | 6.02% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH | 228 | $1.5M |
| Dental | DELTA DENTAL | 305 | $109K |
| Vision | HUMANA | 96 | $21K |
| Life insurance | LINCOLN FINANCIAL | 169 | $21K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 169 | $46K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 169 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.