| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 1600 BROADWAY, 9TH FLOOR DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | $183K | $204K | 4.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | $0 | $19K | 0.37% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE, INC. | 499 WEST SHERIDAN AVENUE 27TH FLOOR OKLAHOMA CITY, OK 73102 | UNTIED OF OMAHA LIFE INSURANCE COMPANY | $44K | $0 | $44K | 10.78% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | UNTIED OF OMAHA LIFE INSURANCE COMPANY | $0 | $20K | $20K | 5.00% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNTIED OF OMAHA LIFE INSURANCE COMPANY | $0 | $13K | $13K | 3.27% |
| FORESTER BENEFITS MANAGEMENT LLC5 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | UNTIED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.47% |
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 | 819 | 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) | 819 | 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 AND AFFILIATES | 618 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 618 | $5.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 618 | $5.1M |
| Life insurance | UNTIED OF OMAHA LIFE INSURANCE COMPANY | 819 | $405K |
| Short-term disability | UNTIED OF OMAHA LIFE INSURANCE COMPANY | 819 | $405K |
| Long-term disability | UNTIED OF OMAHA LIFE INSURANCE COMPANY | 819 | $405K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 3 | $12K |
| Other | UNTIED OF OMAHA LIFE INSURANCE COMPANY | 819 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
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.