| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE Filed as: BOK FINANCIAL INSURANCE INC | 1600 N BROADWAY, 9TH FLOOR DENVER, CO 80020 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $1K | $32K | 6.03% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 821 17TH ST STE 800 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY FL 9 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.79% |
| BOK FINANCIAL INSURANCE3 | 16767 NORTH PERIMETERDR STE STE 200 SCOTTSDALE, AZ 85260 | BEAZLEY INSURANCE COMPANY INC | $4K | $0 | $4K | 15.00% |
| COBIZ INSURANCE Filed as: COBIZ INSURANCE INC | 1401 LAWRENCE ST STE 1200 DENVER, CO 80202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.67% |
| CHOICE INSURANCE SERVICES LLC | 2229 CANDLEGLOW ST CASTLE ROCK, CO 80109 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.67% |
| BOK FINANCIAL INSURANCE Filed as: BOK FINANCIAL | 1600 N BROADWAY, 9TH FLOOR DENVER, CO 80020 | HEALTHIEST YOU | $3K | $0 | $3K | 20.00% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $535K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $535K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 95 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $61K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.