| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK INSURANCE SERVICES INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $66K | $66K | 3.08% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK INSURANCE SERVICES INC. | 1600 BROADWAY, 9TH FLOOR DENVER, NJ 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.19% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK INSURANCE SERVICES INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $6K | $0 | $6K | 7.53% |
| COBIZ INSURANCE3 | 16767 N PERIMETER DR. STE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.12% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK INSURANCE SERVICES INC. | 1600 BROADWAY, 9TH FLOOR DENVER, NJ 80202 | HEALTHIEST YOU | $3K | $0 | $3K | 20.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK INSURANCE SERVICES INC. | 1600 BROADWAY, 9TH FLOOR DENVER, NJ 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.17% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK INSURANCE SERVICES INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | BETA HEALTH | $940 | $0 | $940 | 7.63% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 171 | $91K |
| Vision | VISION SERVICE PLAN | 129 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $135K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $135K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $135K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $2.1M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.