| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68K | — | $68K | 8.55% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 10.15% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $858 | — | $858 | 0.84% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.96% |
| JAMES D HORVAT3 | 2824 S SEBRING CT DENVER, CO 80231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.66% |
| MARY R HAUGHT3 | 2034 N ESTRELLA AVE LOVELAND, CO 80538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.30% |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $103K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $103K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $103K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 350 | $790K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
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.