| 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 | $68K | $0 | $68K | 3.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK INSURANCE SERVICES INC. | 1600 BROADWAY, 9TH FLOOR DENVER, NJ 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK INSURANCE SERVICES INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $4K | $0 | $4K | 5.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK INSURANCE SERVICES INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.94% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK INSURANCE SERVICES INC. | 1600 BROADWAY, 9TH FLOOR DENVER, NJ 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.83% |
| 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, CO 80202 | BETA HEALTH | $626 | $0 | $626 | 8.00% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $2.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 176 | $82K |
| Vision | VISION SERVICE PLAN | 133 | $23K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $118K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $118K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $118K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $2.3M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.