| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $0 | $25K | 6.92% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $8K | $14K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 13.02% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.84% |
| UNKNOWN3 | UNKNOWN PHOENIX, AZ 85021 | HEALTHIEST YOU | $4K | $0 | $4K | 15.91% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | VISION SERVICE PLAN | $2K | $0 | $2K | 7.09% |
| COBIZ INSURANCE3 | 16767 NORTH PERIMETER DRIVE SUITE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $208 | $0 | $208 | 0.86% |
| KRISTA K PRICE3 Filed as: KRISTA K. PRICE | 3864 QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 18.15% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE, INC. | 821 17TH STREET, SUITE 800 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 13.17% |
| JEFFERY PRICE3 Filed as: JEFFERY P. PRICE | 3864 SOUTH QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | $0 | $103 | 0.80% |
| MELISSA B BOYLE3 Filed as: MELISSA B. BOYLE | 1201 EAST VILLA MARIA DRIVE PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
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 | 479 | 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) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $388K |
| Vision | VISION SERVICE PLAN | 212 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 479 | $105K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 479 | $105K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 479 | $105K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $363K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 903 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.