| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.89% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY FLOOR 9 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $112 | $112 | 0.49% |
| COBIZ INSURANCE3 | 16767 NORTH PERIMETER DRIVE SUITE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $1K | — | $1K | 5.18% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 821 17TH STREET SUITE 800 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PAYCOM PAYROLL LLC3 | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.06% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY FLOOR 9 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $97 | $97 | 0.45% |
| PAYCOM PAYROLL LLC3 | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 7.03% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY FLOOR 9 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $89 | $89 | 0.50% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY FLOOR 9 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $75 | $75 | 0.50% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 821 17TH STREET SUITE 800 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 18.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY FLOOR 9 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $46 | $46 | 0.53% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 821 17TH STREET SUITE 800 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $925 | — | $925 | 17.99% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC | 1600 BROADWAY FLOOR 9 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $25 | $25 | 0.49% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 159 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $23K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $352K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.