| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $58K | $58K | 2.21% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $25K | $25K | 0.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.00% |
| BOK FINANCIAL INSURANCE3 | 499 WEST SHERIDAN AVENUE 27TH FLOOR OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.99% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET SUITE 1200 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $3K | $0 | $3K | 3.32% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 1.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.71% |
| COBIZ INSURANCE3 | 1600 NORTH BROADWAY, 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $622 | $0 | $622 | 2.50% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | VISION SERVICE PLAN | $203 | $0 | $203 | 0.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23462 | HEALTHIEST YOU | $2K | $0 | $2K | 13.71% |
| BOK FINANCIAL INSURANCE3 | 1600 NORTH BROADWAY, 9TH FLOOR DENVER, CO 80020 | HEALTHIEST YOU | $1K | $0 | $1K | 6.29% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 80516 | BETA HEALTH | $702 | $0 | $702 | 7.24% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | BETA HEALTH | $74 | $0 | $74 | 0.76% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $2.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 178 | $88K |
| Vision | VISION SERVICE PLAN | 141 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $158K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $158K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $158K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $2.6M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.