| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 499 WEST SHERIDAN AVENUE 27TH FLOOR OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $7K | $11K | 14.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.06% |
| USI INSURANCE SERVICES LLC3 | 4600 SOUTH ULSTER STREET, SUITE1200 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $2K | $0 | $2K | 2.94% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 1.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $665 | $0 | $665 | 5.35% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | VISION SERVICE PLAN | $306 | $0 | $306 | 2.46% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 DENVER, AZ 85016 | VISION SERVICE PLAN | $103 | $0 | $103 | 0.83% |
| CHRISTINA M SEXTON3 Filed as: CHRISTINA M. SEXTON | 9280 WEST 100TH WAY BROOMFIELD, CO 80021 | AFLAC | $1K | $0 | $1K | 15.78% |
| JAMES M GARNER3 Filed as: JAMES M. GARNER | 10701 MELODY DRIVE NORTHGLENN, CO 80234 | AFLAC | $1K | $0 | $1K | 12.06% |
| MAYLENE JOE PLATERO3 | 7371 VRAIN STREET WESTMINSTER, CO 80030 | AFLAC | $342 | $0 | $342 | 3.81% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $233 | $0 | $233 | 2.59% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PLACE LITTLETON, CO 80130 | AFLAC | $202 | $0 | $202 | 2.25% |
| THERESA CHAMBLISS3 Filed as: THERESA CHAMBLISS AND OTHER AGENTS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $82 | $0 | $82 | 0.91% |
| LEE GRADY3 | 12607 ZUNI STREET, APARTMENT 305 BROOMFIELD, CO 80020 | AFLAC | $66 | $0 | $66 | 0.73% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 196 | $72K |
| Vision | VISION SERVICE PLAN | 76 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $75K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $75K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.